Methods and systems for payment transactions in a mobile environment

ABSTRACT

Methods and systems for conducting financial transactions in a mobile environment utilizing a mobile device such as a mobile telephone or wireless connected personal digital assistant (PDA) that communicates with a mobile financial transaction system (MFTS) that stores user and transaction information. The MFTS receives information on behalf of a mobile device user corresponding to bills to pay or other payments to make. The MFTS also receives information corresponding to payment sources available for use in making payments. Selected payments information and payment source information are communicated to the mobile user via a wireless network and displayed for user selection. The user selects a payment to make and a payment source. A mobile payment instruction is generated and communicated to the MFTS. The MFTS instructs a payment instruction recipient to make a payment to an identified payee. Real-time updated account and payment balances are provided to the user&#39;s mobile device.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is related to and incorporates by reference herein thefollowing U.S. patent applications:

-   application Ser. No. 11/428,859, entitled “Methods and Systems for    Making a Payment via a Paper Check in a Mobile Environment,” filed    on Jul. 6, 2006;-   application Ser. No. 11/428,860, entitled “Methods and Systems for    Making a Payment via a Stored Value Card in a Mobile Environment,”    filed on Jul. 6, 2006,-   application Ser. No. 11/428,861, entitled “Methods and Systems for    Viewing Aggregated Payment Obligations in a Mobile Environment,”    filed on Jul. 6, 2006,-   application Ser. No. 11/428,864, entitled “Methods and Systems for    Providing a Payment in a Mobile Environment,” filed on Jul. 6, 2006,-   application Ser. No. 11/428,866, entitled “Methods and Systems for    Managing Payment Sources in a Mobile Environment,” filed on Jul. 6,    2006,-   application Ser. No. 11/428,870, entitled “Methods and Systems for    Real Time Account Balances in a Mobile Environment,” filed on Jul.    6, 2006,-   application Ser. No. 11/428,874, entitled “Methods and Systems for    Distribution of a Mobile Wallet for a Mobile Device,” filed on Jul.    6, 2006,-   application Ser. No. 11/428,876, entitled “Methods and Systems for    Indicating a Payment in a Mobile Environment,” filed on Jul. 6,    2006,-   application Ser. No. 11/428,879, entitled “Methods and Systems for    Payment Method Selection by a Payee in a Mobile Environment,” filed    on Jul. 6, 2006, and-   International (PCT) application no. PCT/US06/026399, entitled    “Methods and Systems for Financial Transactions in a Mobile    Environment,” filed on Jul. 6, 2006, the disclosures of which    applications are incorporated by reference as if the same were fully    set forth herein.

FIELD OF THE INVENTION

The present invention relates generally to financial transactions, andmore particularly relates to methods and systems for conductingfinancial transactions in a mobile environment using a mobile devicesuch as a mobile telephone (cellphone) or wireless connected personaldigital assistant (PDA).

BACKGROUND OF THE INVENTION

Busy consumers in mobile societies seek to maximize the use of theirtime. Electronic devices such as personal digital assistants (“PDA's”)and mobile telephones (“cell phones”) provide the promise of moreefficient use of time, by allowing communication with other people andinstitutions wherever a user may go. One particular demand of mobileconsumers is better capability to securely manage one's financialsituation, such as balances in bank accounts, credit cards, othersources of funds, etc., and quickly but efficiently fulfill financialobligations such as paying bills, transferring funds to third partiesand family members, etc. Several useful web- and personal computer(PC)-based financial services programs are available for consumers andbusinesses. These include the popular QUICKEN™ product from Intuit Inc.,MICROSOFT MONEY by Microsoft Corp. and others.

However, these web- and PC-based solutions to financial payments andmoney management require that a user have access to a network-connectedPC. A PC may not always be readily available to a mobile consumer whenhe or she needs to pay a bill. But a mobile device such as a cellphoneor PDA is more likely to be available. (So ubiquitous are modern mobilecommunication devices that an average consumer knows within about 6minutes whether they have lost their cellphone, but about 18 minutesbefore they realize they have lost their traditional wallet.)

Consumers in mobile societies tend to carry a variety of personalpossessions, such as keys, wallets, cards, and electronic devices.Currently popular electronic devices include mobile phones, PDAs, MP3players or other types of music players (e.g. APPLE iPOD™), and personalvideo players (also APPLE iPOD™). Such electronic devices are convergingas to functionality, but the average mobile society consumer still tendsto carry too many other personal possessions, such as a wallet,checkbook, multiple credit cards, debit cards, membership cards, loyalty(points) cards, keys, etc. Further consolidation and convergence ofelectronic and mobile communication devices is expected in the future toalleviate some of the personal possession clutter, but the present-daycommunication and financial services infrastructure is still lacking inthe need for effective conduct of mobile financial transactions andreduction of personal possession clutter.

Unfortunately, current mobile device technology and the financialservices infrastructure do not provide convenient, secure, and rapidattention to a person's financial needs in the mobile environment. Toenable a mobile device such as cellular phone or PDA to be usedsuccessfully for mobile financial transactions, certain functionalityrelating to transactions is important. A person's financial paymentobligations arise from many sources—paying bills and mortgages, sendingmoney, checking out purchases at a retail establishment point of sale(POS), etc. Such obligations can involve dozens (or more) of differententities. Different entities may require different payment forms. Amobile financial transaction system that is attractive to mobileconsumers would provide for aggregation and consolidation of paymentobligations, and allow a choice of payment vehicles such as checks,direct funds transfer, use of a credit card account, etc. Stored value(SV) cards are an increasingly popular payment option in somecommunities, especially the so-called “unbanked” (i.e. people who maynot have an established bank account and tend to conduct business incash).

Similarly, a person may have multiple sources of payments andfunds—credit cards, bank accounts with savings and checking features,debit cards, etc. People often have preferences as to which source offunds should be used to pay certain payment obligations. A bank accountmay be desired for some payments, while a credit card may be desired forother transactions, for many reasons such as participation in loyaltyprograms such as “frequent user” programs. Before using a particularsource of funds for a payment, a consumer often needs or wants to haveinformation about available funds balance or credit balance. Some formof account balance inquiry, or perhaps real time balance informationupdating, from a mobile device is desirable. In addition to balanceinformation, the ability to invoke other financial institutionoperations while mobile is desirable. Such other operations includefunds transfer between accounts, selection of different payment sourcesor accounts from a particular financial institution, remittance andpayment, inquiry and payment of loans, and the like, at any time andanywhere, without requiring an appearance at a banking facility inperson or at a PC terminal with internet connectivity.

Some online financial service providers, e.g. CheckFree Corporation,offer a service known as “bill aggregation” or “bill presentment,”whereby multiple payment obligations are collected into a centralizedcomputer facility and provided to the consumer as a list. For example,U.S. Pat. No. 6,289,322 to Kitchen et al. describes a method ofelectronically presenting billing information, which can be used inconnection with “online bill payment.” This method includes receivingbilling information associated with a plurality of different billers,different portions of which represent bills for different people (aspayers). Billing information is consolidated for each registered user orpayer. Individual customers can go to an Internet web site to registeran account, add information about billers, add information aboutfinancial institutions, and pay bills online. However, the systemdescribed in U.S. Pat. No. 6,289,322 is intended for users with a PC andInternet access and has several shortcomings for use in a mobileenvironment. One particular shortcoming is that a web-based userinterface actually provides too much information about the user'saccounts and bill detail, and is difficult to view and navigate on asmall mobile device. Another shortcoming is the lack of integration ofonline bill payment with the use of multiple and conveniently selectabledifferent payment sources.

U.S. Published Pat. App. No. 20050086164 to Kim et al. describes amethod for utilizing a mobile phone to pay a charge of goods or servicesrendered through approval of a mobile phone network. First, a buyer useshis or her mobile phone to connect to a payment transaction server. Abuyer and “merchant store” identification code (for each) and a bill forthe goods or services is transmitted to the payment transaction server.The payment transaction server examines the data received from themobile phone and determines the approval of the transaction based on abalance corresponding to the buyer identification code. When approved,an approval notification is sent to a terminal at the merchant store.After the confirmation from the approval notification at the merchantstore, the buyer receives the goods or services.

A system as described in the Kim et al. publication depends on having apre-established balance in a prepaid account established by the buyerwith the mobile phone networks. Furthermore, the method involvesdelivering voice prompts to the user via the mobile phone and receivingthe user's selection of options by activation of keys on the mobilephone keypad. While such a device and system is certainly one way thatfinancial transactions can be conducted using a mobile phone, thewell-known method of voice prompts for keypad data entry is slow andawkward, and is a known source of consumer frustration. Furthermore,modern mobile devices are more than just a telephone—many such devicesnow include displays, controls, and keypads, and provide more ways forwireless interaction than voice messages and prompts.

Mobile communication devices and systems have now progressed beyond thelimitations of voice prompts and telephone keypad data entry and optionselection. The first generation (1G) of mobile telephone systems waslimited to analog radio voice transmission, and has been surpassed bysecond generation (2G) systems that provide digital signal transmissionfeatures and enable greater functionality. Present mobile devicecommunication systems (beyond 2G) are now all digital and utilize datacommunication channels for carrying voice signals as well as other datasignals. Features enabled by the digital data communications includeShort Message System (SMS) message for text messaging, ringtonedownloads, and other features. Consumer-oriented mobile communicationsystems are now progressing beyond advanced second generation (2.5G)technologies into third generation (3G) technologies that provide highspeed broadband data connectivity for mobile devices. New 3G systems anddevices permit capabilities such as full Internet usage on mobiledevices, SMS messaging capability, person-to-person direct calling,direct download of content such as ringtones, music, and videos, andmany other features.

Significantly, modern mobile devices now involve highly converged PDAand telephone capabilities. New mobile devices possess color displays,touch screens, full telephone capability as well as music playback,streamed videos, memory for data storage (e.g. memory cards), wirelessheadsets, infrared data connections, and many other features. A systemthat facilitates convenient, secure, and rapid mobile financialtransactions will invariably take advantage of available communicationbandwidth and device features in the modern 2.5G and 3G networks andtheir devices. However, prior to the present invention there has been noeffective attempt to identify the usage methodologies and features thatconsumers want—those that allow convenient, secure, and rapid mobilefinancial transactions, in a way that is consumer-friendly and allowsreduction of personal possession clutter.

In particular, consumers require strong security in using their devices.They require speedy, convenient checkout if used at retail point of sale(POS). They must be able to “PayAnyone”, at any time, in any of a numberof different ways. They must be provided with the information they needto conduct a transaction—and only such information as is necessary—andthis information must be current. Similarly, financial institutionsrequire strong security, which includes authentication, for transactionsinitiated in a mobile environment. There must be an opportunity forrevenue opportunities as well as user retention. There must beopportunity to lower the expense of customer service by use ofautomation. For retailers and entities that send bills, there must berapid payment. Any POS transactions must clear quickly. Charges based oncredit cards and debit cards must be authenticated and clearquickly—fraud prevention and reduction is paramount both for financialinstitutions as well as billing entities and other payees. Facilitationof, or at least compatibility with, customer loyalty programs is highlydesirable.

All of these requirements—some of which are merely desirable but someare absolutely essential—present a challenge to the present day mobilecommunication and financial services infrastructure. Prior to thepresent invention, no system has been made that addresses all of thesefeatures, goals, and desires of a mobile communication based financialtransaction system in a satisfactory manner.

Therefore, there is a need for a comprehensive solution that allowsconsumers using mobile devices to consolidate their bills and otherpayment obligations, pay such bills and other obligations at anytime andanywhere, using any selectable available funds, to merchants for goodsor services, or to anyone or any other designated entity, with knowledgeof the amounts to be paid and the funds available balances. And ofcourse, all of this must be convenient, secure, and rapid.

As will be described and explained in detail below, the presentinventors have constructed various systems and methods for completingfinancial transactions in a mobile environment that meet these and otherrequirements for an efficient, effective, robust, secure and convenientsolution.

SUMMARY OF THE INVENTION

Briefly described, the present invention relates to methods and systemsfor conducting financial transactions in a mobile environment utilizinga mobile device such as a mobile telephone or wireless connectedpersonal digital assistant that communicates with a mobile financialtransaction system that stores user information and transactioninformation. In particular, the present invention relates to methods andsystems for payment transactions in a mobile environment.

Aspects of the invention are embodied in mobile devices, in software formobile devices (e.g. in the form of computer-implemented methods), in amobile financial transaction system (MFTS), in software for mobilefinancial transaction systems (e.g. in the form of computer-implementedmethods), in systems that combine aspects of mobile devices and mobilefinancial transaction systems, and in software for such systems (e.g. inthe form of software for mobile devices and related systems that effectcomputer-implemented methods).

In one aspect, the present invention relates to methods and system formaking a mobile financial payment using a mobile device connected forcommunications with a wireless network. These aspects of the inventioninvolve: (i) providing a mobile financial transaction system (MFTS),(ii) receiving payment to make information at the MFTS corresponding toa payment to be made by the user to a payee; (iii) generating summarizedpayment to make information at the MFTS based on the payment to makeinformation; (iv) wirelessly communicating the summarized payment tomake information from the MFTS to the user mobile device via the MCSP;and (v) displaying information corresponding to one or more selectablepayments to make at the user mobile device. Such selectable payments tomake includes the summarized payment to make information associated witha payee. Further aspects of the invention involve: (vi) at the usermobile device, receiving user input corresponding to selection of apayment to make and selection of a payment source for making a payment;(vii) at the user mobile device in response to the user input,generating a mobile payment instruction comprising informationcorresponding to a selected payment to make and a selected paymentsource for making a payment corresponding to the selected payment tomake; and (viii) wirelessly communicating the mobile payment instructionfrom the user mobile device to the MFTS.

Another aspect of the invention involves: (ix) at the MFTS and inresponse to receipt of the mobile payment instruction, retrievinginformation from the MFTS database corresponding to an identified payeefor receiving the payment indicated by the mobile payment instructionand information corresponding to the selected account at the selectedfinancial service provider identified in the mobile payment instruction.Yet another aspect involves: (x) at the MFTS, generating a MFTS paymentinstruction to a payment instruction recipient; and (xi) communicatingthe MFTS payment instruction from the MFTS to the selected paymentinstruction recipient. The payment instruction recipient, in response toreceipt of the MFTS payment instruction, effects a payment to theidentified payee.

In a preferred embodiment, the MFTS is coupled for wirelesscommunications with a mobile device of a user using a mobilecommunication service provider (MCSP). The MFTS is also coupled forelectronic communications with one or more payment instructionrecipients that can make a payment to a payee on behalf of the user. TheMFTS includes a MFTS database for storing user information, payment tomake information associated with the one or more payment instructionrecipients and/or payees, and payment source information associated withat least one account associated with at least one financial serviceprovider. In one aspect, the payment to make information comprises abill, and the payee is a billing entity. In another aspect, the paymentinstruction recipient is one of a financial service provider, a billingaggregator, or a separate billing entity.

Another aspect of the invention involves providing a Mobile Walletapplication on the user mobile device. A Mobile Wallet application is amobile device application that provides functionality for viewing andselecting bills to be paid or other payments to make, viewing andselecting payment sources for making such payments, viewing balances,etc. In one aspect, the Mobile Wallet application provides a display onthe mobile device of selectable commands including one or more of a ViewBills command, a View Payment Sources command, a Pay Bill(s) command,and a Pay Anyone command. In an exemplary aspect, a View Bills commandprovides the user with a means for viewing and/or selection of a paymentto make. The View Bills selectable command causes the MFTS to retrievebill information from a bill presentment system and communicatesummarized bill information to the mobile device upon receipt of suchinformation from the bill presentment system.

In a related aspect, a View Payment Sources command provides a user witha means for viewing and/or selection of a payment source for making apayment. The selection of a payment source for making a payment includesselection of a financial service provider and selection of a particularaccount associated with the selected financial service provider formaking the payment. The View Payment Sources command also causes theMFTS to retrieve current account information from one or more financialservice providers and communicate the current account information to themobile device upon receipt of such information from the one or morefinancial service providers.

In a related aspect, a Pay Bill(s) command provides the user with ameans for paying a bill or other payment to another entity to whom theuser has a financial obligation, such as a mortgage payment. In anotherrelated aspect, a Pay Anyone command provides a user of a mobile devicewith a means for making a payment to any person, irrespective of a priorbill or other information provided to the MFTS, for example by inputtinga payee's name and/or a payee's mobile number.

According to yet another aspect of the invention, payment to makeinformation is provided to the MFTS by an external source. The externalsource can be one or more of a bill presentment system that providesbill information from a plurality of billing entities, or an individualbilling entity. The information may be input by the user via anInternet-accessible web site accessible by the user or via the mobiledevice for input of payment to make information and payee information.

According to still another aspect, the payment to make informationcomprises information corresponding to one or more of the following: arecurring bill, a bill from a billing aggregator, a bill from anindividual billing company, and/or a “pay anyone” payment. According toan aspect of the invention, information corresponding to one or morepayments to make displayed at the user mobile device is provided inresponse to user activation of a “View Bills” function. Such informationdisplay is in response to a text message from the MFTS received at themobile device. Such information display includes summarized billinformation provided from the MFTS. The summarized payment to makeinformation includes a predetermined selected subset of the payment tomake information.

According to another aspect, the MFTS payment instruction includesinformation identifying a selected account at a selected financialservice provider, an amount, and information corresponding to anidentified payee. The identified payee may be a billing entity thatcommunicated bill information to the MFTS, or another entity to whom apayment may be made. In one embodiment, the summarized payment to makeinformation communicated to the mobile device consists of a payeeidentifier, an amount, and a due date, so that only minimal informationis transmitted from the MFTS to the mobile device. In this aspect, themobile device utilizes the payee identifier in the summarized payment tomake information and retrieves payee name information from a mobiledevice local memory corresponding to an identified payee and displaysthe payee name information to the user.

In one embodiment, the MFTS database also stores transaction informationcorresponding to a user's financial transactions. The transactioninformation includes the payment to make information in addition toother information utilized to track status of the payment to make,together with one or more of the following items of information: a userID number, a transaction identifier, a bill received date, a bill duedate, an amount, a financial service provider identifier, an accountidentifier, a payee identifier, and/or a pending/complete flag.

Another aspect of the invention involves communicating a paymentconfirmation message from a payment instruction recipient to the MFTS inresponse to completion of a predetermined stage in making the payment. Arelated aspect involves communicating a payment confirmation message tothe mobile device in response to receipt of the payment confirmationmessage from the payment instruction recipient.

Another aspect of the invention relates to selection of a payment methodfor effecting a payment. According to this aspect, user inputcorresponding to selection of a payment method for making a payment isprovided at the user mobile device, and includes information in themobile payment instruction corresponding to the selected method formaking the payment at the user mobile device in response to the userinput. The selectable payment methods include a recipient-defined methodwherein the recipient determines the manner of receiving the payment, anACH funds transfer, a paper check, and a stored value (SV) card.

According to another aspect, the MFTS is further coupled for electroniccommunications with a user's computer via a data communications networksuch as the Internet. This aspect involves: (i) providing a webapplication in association with the MFTS, (ii) receiving userinformation via the web application corresponding to financial serviceproviders, accounts at financial service providers, and payees, and(iii) storing the user information input via the web application in theMFTS database for use in connection with payments initiated via the usermobile device. A related aspect involves retrieving and displayingtransaction information corresponding to transactions conducted via theuser mobile device, via the web application, to a user via user'scomputer.

In another aspect of the invention, a mobile financial payment caninclude a balance transfer from one account associated with a user toanother account associated with the same user.

Another aspect of the invention relates to real time updating of accountinformation to a user's mobile device. A method according to this aspectcomprises the steps of: (i) storing a cached account balance in themobile device representative of the balance at least one account of theuser as of a particular date, (ii) communicating with the financialservice provider to obtain updated account balance information for theaccount, (iii) wirelessly communicating updated account balanceinformation from the MFTS to the user mobile device, and (iv) inresponse to receipt of updated account balance information from theMFTS, displaying updated account balance information corresponding tothe account to the user via the mobile device.

In a yet another aspect, the present invention relates to a mobiledevice for making a mobile financial payment via a wireless network. Instill another aspect, the present invention relates to acomputer-implemented method for a mobile financial transaction system(MFTS) to facilitate a mobile financial payment initiated by a mobiledevice connected for communications with a wireless network. In afurther still aspect, the present invention relates to a mobilefinancial transaction system (MFTS) for facilitating a mobile financialpayment initiated by a user mobile device connected for communicationswith a wireless network. In another aspect, the present inventionrelates to a method for making a financial payment to a payee via apaper check utilizing a mobile device connected for communications via awireless network.

From the foregoing, those skilled in the art will understand andappreciate that with its various aspects for a mobile device, a mobilefinancial transaction system, a web interface, and combinations offunctionality, a system constructed in accordance with aspects of theinventions provides mobile device users with unprecedented convenienceand flexibility in monitoring bills to pay and other payments to make,information about current account balances provided in real time, andother improved functionality for mobile device users that haveheretofore not been possible at reasonable economic cost andconvenience.

These and other aspects, features, and benefits of the presentinvention(s) will become apparent from the following detailed writtendescription of the preferred embodiments taken in conjunction with thefollowing drawings, although variations and modifications therein may beaffected without departing from the spirit and scope of the novelconcepts of the disclosure.

BRIEF DESCRIPTION OF THE DRAWING FIGURES

FIG. 1 is a high level overview of exemplary aspects for a mobilefinancial transaction system (MFTS) that embodies aspects of the presentinvention.

FIG. 2 is a more detailed overview of an exemplary mobile financialtransaction system (MFTS) according to an exemplary aspect of theinvention.

FIG. 3, consisting of FIG. 3A and FIG. 3B, is a computer softwarearchitecture diagram illustrating various computer program modules thatprovide computer-implemented method steps for a cellphone or mobiledevice application (FIG. 3A) and computer-implemented method steps foroperations of the MFTS system (FIG. 3B), in accordance with exemplaryaspects of the invention.

FIG. 4 is a flowchart showing the operation of the main program of amobile financial transaction system (MFTS) constructed according toexemplary aspects of the present invention.

FIG. 5 is a flowchart showing the operation of the main program of amobile financial transaction system (MFTS) constructed according toexemplary aspects of the present invention.

FIG. 6 illustrates exemplary database schemas (data table layouts) for amobile financial transaction system (MFTS) user database according to anexemplary aspect of the invention.

FIG. 7 illustrates an exemplary database schema (data table layout) fora mobile financial transaction system (MFTS) transaction database inaccordance with exemplary aspects of the invention.

FIG. 8 is a flow chart diagram illustrating computer-implemented methodsteps of a computer program embodying operations of a mobile devicecommunication interface for the MFTS in accordance with exemplaryaspects of the invention.

FIG. 9 is a flow chart diagram illustrating computer-implemented methodsteps of a computer program embodying operations of a financial serviceprovider (FSP) communications interface for the MFTS in accordance withexemplary aspects of the invention.

FIG. 10 is a flow chart diagram illustrating computer-implemented methodsteps of a computer program embodying operations of a user webapplication input/output (I/O) interface for the MFTS in accordance withexemplary aspects of the invention.

FIG. 11 is a flow chart diagram illustrating computer-implemented methodsteps of a computer program embodying operations of a web applicationfor enrolling a new user in accordance with exemplary aspects of theinvention.

FIG. 12 is a flow chart diagram illustrating computer-implemented methodsteps of a computer program embodying operations of a web applicationfor a registered user in accordance with exemplary aspects of theinvention.

FIG. 13 shows a sequence of mobile device screen displays for viewingselectable payment sources and account balances according to anexemplary aspect of the invention.

FIG. 14 is a sequence diagram illustrating computer-implemented methodsteps for viewing payment sources and account balances according to anexemplary aspect of the invention.

FIG. 15 shows a sequence of mobile device screen displays for viewingbills according to a preferred embodiment and an alternative embodimentof the present invention.

FIG. 16 is a sequence diagram illustrating computer-implemented methodsteps for viewing bills according to a preferred embodiment and analternative embodiment of the present invention.

FIG. 17 shows a sequence of mobile device screen displays for paying abill according to an exemplary aspect of the invention.

FIG. 18A shows a sequence diagram illustrating computer-implementedmethod steps for paying a bill according to a preferred embodiment ofthe present invention, and FIG. 18B shows a sequence diagramillustrating computer-implemented method steps for paying a billaccording to an alternative embodiment of the present invention.

FIG. 19 is a sequence of mobile device screen views from a payer'sperspective as a user uses a “PayAnyone” payment option, selects a namefrom a list, and uses a “recipient defined” payment method according toan exemplary aspect of the invention.

FIG. 20 is a sequence of mobile device screen views from a payee'sperspective of a “PayAnyone” using a “recipient defined” payment optionaccording to an exemplary aspect of the invention.

FIG. 21 shows a sequence diagram illustrating computer-implementedmethod from a payer's perspective as a user uses a “PayAnyone” paymentoption, selects a payee, and selects a payment method according to anexemplary aspect of the invention.

FIG. 22 shows a sequence diagram illustrating computer-implementedmethod from a payee's perspective as a user uses a “PayAnyone” paymentoption, selects “recipient defined” payment method, selects a paymentmethod, and receives the payment according to an exemplary aspect of theinvention.

FIG. 23 shows a sequence of mobile device screen views from a payer'sview of a “PayAnyone” payment feature with selection of an ACH paymentmethod according to an exemplary aspect of the invention.

FIG. 24 shows a sequence of mobile device screen views from a payee'sperspective of a “PayAnyone” payment feature with ACH payment methodaccording to an exemplary aspect of the invention.

FIG. 25 is a sequence diagram illustrating computer-implemented methodsteps for a “PayAnyone” payment feature with ACH payment methodaccording to an exemplary aspect of the invention.

FIG. 26 shows a sequence of mobile device screen views from a payer'sperspective as a user uses a “PayAnyone” payment feature and selects apaper check payment method according to an exemplary aspect of theinvention.

FIG. 27 shows a sequence of mobile device screen views from a payee'sperspective of a “PayAnyone” payment feature with a paper check paymentmethod according to an exemplary aspect of the invention.

FIG. 28 is a sequence diagram illustrating computer-implemented methodsteps for a “PayAnyone” payment feature, involving a paper check paymentmethod according to an exemplary aspect of the invention.

FIG. 29 shows a sequence of mobile device screen views from a payer'sperspective as a user uses a “PayAnyone” payment feature and selects astored value (SV) card payment method according to an exemplary aspectof the invention.

FIG. 30 shows a sequence of mobile device screen views from a payee'sperspective of a “PayAnyone” payment feature with the stored value (SV)card payment method according to an exemplary aspect of the invention.

FIG. 31 is a sequence diagram illustrating computer-implemented methodsteps for a “PayAnyone” payment method involving use of a stored value(SV) card payment method according to an exemplary aspect of theinvention.

FIG. 32 shows a sequence of mobile device screen views as a usertransfers funds or account balances according to an exemplary aspect ofthe invention.

FIG. 33 is a sequence diagram illustrating computer-implemented methodsteps for funds transfer or balance transfers between accounts ofpayment sources according to an exemplary aspect of the invention.

FIG. 34 shows a sequence of mobile device screen views that illustratereceipt of payment for a payee with a mobile device, with optionalinstallation of a mobile device application to the payee's mobiledevice, according to an exemplary aspect of the invention.

FIG. 35 is a sequence diagram illustrating computer-implemented methodsteps whereby a payee downloads and installs a mobile device applicationfrom the MFTS system as a part of the viral financial commerce systemaccording to an exemplary aspect of the invention.

FIG. 36 is a sequence of mobile device screen views from a user'sperspective of changing a personal identification number (PIN) accordingto an exemplary aspect of the invention.

FIG. 37, consisting of FIGS. 37A-37D, comprises screen displays of theweb application input/output interface illustrating how a user enrollsfor use of a mobile financial transaction system through a webapplication user site according to a preferred embodiment of the presentinvention.

FIG. 38, consisting of FIGS. 38A-38D, comprises screen displays of theweb application input/output interface illustrating how a user managesfinancial accounts of a mobile financial transaction system through aweb application user site according to a preferred embodiment of thepresent invention.

FIG. 39, consisting of FIGS. 39A-39B, comprises screen displays of theweb application input/output interface illustrating how a user managespayees of a mobile financial transaction system through a webapplication user site according to a preferred embodiment of the presentinvention.

FIG. 40 is a web application account summary display screen inaccordance with alternative exemplary aspects of the invention.

FIG. 41 is a web application billing entity details display screen inaccordance with alternative exemplary aspects of the invention.

FIG. 42 is a web application payment source details display screen inaccordance with alternative exemplary aspects of the invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT

Prior to a detailed description of the invention(s), the followingdefinitions are provided as an aid to understanding the subject matterand terminology of aspects of the present invention(s), are exemplary,and not necessarily limiting of the invention(s), which are expressed inthe claims. Whether or not a term is capitalized is not considereddefinitive or limiting of the meaning of a term. As used in thisdocument, a capitalized term shall have the same meaning as anuncapitalized term, unless the context of the usage specificallyindicates that a more restrictive meaning for the capitalized term isintended. A capitalized term within the glossary usually indicates thatthe capitalized term has a separate definition within the glossary.However, the capitalization or lack thereof within the remainder of thisdocument is not intended to be necessarily limiting unless the contextclearly indicates that such limitation is intended.

DEFINITIONS/GLOSSARY

ACH: an acronym for “Automated Clearing House,” an electronic bankingnetwork that processes volumes of credit and debit transactions inaccordance with by rules and regulations established by the NationalAutomated Clearing House Association (NACHA) and the U.S. FederalReserve (Fed).

Application: a computer program that operates on a computer system,e.g., but not limited to, a computer program operated within the MFTS,or a computer program operated within a cellphone or mobile device (amobile application). Further examples of applications include programsthat perform a search in a database, receive and store information in atemporary memory of a mobile device, display selected information on amobile device, etc., and virtually any other type of program thatgenerates transactions or is responsive to transactions.

Bill information: information provided by a billing entity, or a billaggregator, relating or corresponding to a bill to be paid; typicallyconsists of all information provided by the billing entity that wouldappear on a bill to be paid and provided to a user or a billingaggregator. (See “summarized bill information.”)

Billing entity: a payee; an individual person, business, or entity thatprovides a bill that can be paid to a user. The term generally includesany payee, whether or not a bill is sent to prompt payment, although abilling entity typically may be expected to provide a document ormessage (a bill) indicating an amount due to the billing entity, whereasa “pay anyone” type payee, while generally considered a billing entityfor purposes of aspects of the invention, may not necessarily require abill prior to sending a payment.

Billing (bill) aggregator: an entity that provides a service ofcollecting information relating to bills to pay or other paymentobligations to an entity with whom a user or consumer maintains afinancial relationship, and in the context of the invention, providesinformation about one or more bills to pay to a mobile financialtransaction system constructed as described herein, and optionallyserves as a financial service provider that handles bill payment for auser.

Bill presentment: the presentation or presentment of one or more ofpayment obligations of an entity (such as bills to pay or payments tomake), e.g. by a bill aggregator, and the electronic communication ofone or more such payment obligations, to the entity for review andprovision of payment instructions. Bill presentment may be provided on abill by bill basis from a billing entity, or may be a grouping oraggregator of bills by a billing aggregator that provides a service ofcollecting bills to pay an entity.

Consumer: an individual person or other entity that accesses or uses amobile device to perform certain functions of a mobile financialtransaction system (MFTS), in accordance with exemplary aspects of theinventions. Generally synonymous with user, below.

DBMS: database management system.

Enterprise: an organization or business entity that utilizes the presentinvention. An Enterprise can be a business, a government agency, aperson, or virtually any other organization that conducts businesstransactions reflective of its business activity.

Entity: something that has a separate and distinct existence orconceptual reality outside the present invention. One example is abilling entity, which sends out billing information about a paymentobligation.

Financial Service Provider (FSP): an entity that provides financialservices on behalf of its customers, such as a bank, credit cardcompany, credit union, debit card company, gift card company, paymentservice company, or other financial institution, and especially servesas a Payment Source (PS). As used herein, an FSP is an entity thatprovides financial services on behalf of users with mobile devices inaccordance with exemplary aspects of the invention. A FSP may also be apayment instruction recipient and effect a payment.

I/O: input/output.

LAN: local-area network, a collection of computers that are connectedfor electronic communications, typically located geographically closetogether (that is, in the same building).

Mobile Communication Service Provider (MCSP) (generally synonymous withwireless service provider): an entity that provides for communicationservices for mobile devices to the MFTS, and perhaps to othernetwork-connected entities. For example, a cellphone service providertypically can serve as a MCSP.

Mobile client (generally synonymous with mobile application): a computerprogram that runs on a mobile device, to provide services and operationsas described in this document, in accordance with exemplary aspects ofthe invention.

Mobile device: any device used for communication over a wirelesscommunication networks, such as a cellular phone, a walkie-talkie, apersonal digital assistant (PDA), a pager, a smart phone, or anycombination thereof. Mobile devices operative in the present inventiontypically run a mobile client software program to effect thefunctionality described herein. Generally synonymous and usedinterchangeably with mobile phone, but a mobile device need notnecessarily be a telephone-type instrument.

Mobile Financial Transaction System (MFTS): a system constructed asdescribed in this document, that facilitates financial transactions byuse of mobile devices.

MFTS payment instruction (MFTSPI): a form of Payment Instruction (PI)(see below) that comprises a communication initiated by the MFTS andtransmitted to a payment instruction recipient such as a financialinstitution to instruct that institution to make a payment to anidentified selected entity.

Mobile Payment Instruction (MPI): a form of Payment Instruction (PI)(see below) that is generated and provided from a mobile device inaccordance with exemplary aspects of the invention.

Mobile Wallet: a name given to a mobile device application that providesfunctionality for viewing and selecting bills to be paid or otherpayments to make, viewing and selecting payment sources for making suchpayments, viewing balances, etc., in accordance with exemplary aspectsof the invention.

PayAnyone: a feature of aspects of the present invention that allow auser to pay a person having a wirelessly connected mobile device,without regard to whether that person is physically present, mainly byway of communicating messages to the payee's wireless device, solicitinginstructions, and determining a preferred method for receipt of thepayment by the payee.

Payee: a person or an entity receiving payment. A payee may also be apayment instruction recipient.

Payer: a person or an entity making a payment. A payer is also a personor an entity sending out a payment instruction.

Payment Instruction (PI): a collection of information that typicallyincludes one or more selected payments to make, at least one paymentsource for use in making the payment, and other information. A mobilepayment instruction (MPI) is initially generated and provided from amobile device in accordance with exemplary aspects of the invention. AnMFTS payment instruction (MFTSPI) is a communication initiated by theMFTS and transmitted to a payment instruction recipient to instruct thatrecipient to make a payment to an identified entity.

Payment Instruction Recipient (PIR): an entity to whom a paymentinstruction is given for purposes of making a payment; a paymentinstruction recipient may itself make a payment, or may provide aninstruction to another entity to make the payment, such as a financialservice provider. For example, a payment instruction recipient may be afinancial service provider, a bill aggregator, or a billing entity (e.g.a company that has authorization from a payer to draft a paymentdirectly from a payer's bank).

Payment method: the manner in which a payment is provided to a payee bya payment instruction recipient or its agent, i.e. a financialinstrument of some sort provided to a payee; a payment can be made byvarious means including but not limited to paper check, stored valuecard, ACH funds transfer, crediting a credit card account, wiretransfer, money order, credit to a PayPal or other online financialaccount, another type of financial instrument, etc. In accordance withaspects of the invention, a payment method may be chosen by a payer incertain embodiments, or may be chosen by a payee in other embodiments. Apayment source differs from a payment method in that a payment sourceprovides funds for an instrument of a chosen payment method.

Payment to Make (PM): A payment obligation of a mobile device user, forwhich an instruction to make a payment is made using aspects of theinvention. Such obligations include any bills that a person or a familyreceives on a regular basis such as water bills, electric bills, gasbills, mortgage payments, automobile payment, insurance payments,telephone and/or mobile phone bills, credit card bills etc. Thesepayment obligations also include any payments that a person needs tomake occasionally such as gasoline purchase, movie theater tickets, anycash-only purchases as well as payment to any individuals.

Payment Source (PS): funds or money available to a person or family,usually through an account that can be accessed by aspects of thepresent invention. These sources include credit card accounts, debitcard accounts, checking and/or saving accounts, department store creditcard accounts, etc.

Payment source information: information relating to a payment sourcethat is stored at the MFTS, and a portion of which (summarized paymentsource information) is communicated to user's mobile device.

Protocol: A set of formal rules describing how to transmit data,especially across a network. Low level protocols define the electricaland physical standards to be observed, bit- and byte-ordering and thetransmission and error detection and correction of the bit stream. Highlevel protocols deal with the data formatting, including the syntax ofmessages, the terminal to computer dialogue, character sets, sequencingof messages etc.

Stored Value (SV) card: a payment card, typically including a magneticstripe or other electrical, magnetic, or electronic information carryingmedium, that is accepted as a form of payment by certain commercialenterprises; money can be “loaded” onto a SV value card through variousdifferent mechanisms and systems and then can be used to pay bills,purchase goods, etc. A stored value (SV) card is not a debit card or acredit card, although a SV card bears certain physical resemblance tosuch other types of cards.

Summarized bill information: a reduced subset of bill information thatis displayed to a user via a user's mobile device.

Summarized payment source information: a reduced subset of informationrelating to an account and/or a financial institution that is displayedto a user via a user's mobile device.

Transaction: a set of system actions that result in a completed businessactivity, for example, the following are exemplary transactions: thetransfer of a certain amount of money (funds) from one person toanother; the debiting of a credit card account of one person (e.g. apayer) and the corresponding crediting of a bank account of anotherperson (e.g. a payee); the payment of a bill; the issuance of aninstruction to issue a stored value (SV) card.

SMS: short message service, a text communication service available onmany digital mobile devices or phones that permits the sending of shortmessages (also known as text messages, messages, or more colloquiallySMSes, texts or even txts) between mobile devices or phones.

User: an individual or other entity that accesses or uses a mobiledevice to perform certain functions of a mobile financial transactionsystem. See also Consumer. As used herein, these terms are generallysynonymous. A user may also use a web interface to access the MFTS forconfiguration and use, as described herein.

User/payee: an MFTS system user and also a payee who receives payments.

User/payer: an MFTS system user and also a payer who makes payments.

User identifier (user ID): a code used to identify a user to the MFTS,or to a financial service provider, or to another component thatrequires information identifying a user for some purpose in connectionwith the invention.

UI: User Interface. Typically means a software application with which aUser interacts for purposes of entering information, obtaininginformation, or causing functions of an associated system to execute;includes a mobile device user interface.

WANs: wide-area networks, a collection of computers that are connectionfor electronic communications, typically where the computers are furtherapart than a LAN and are connected by telephone lines, fiber opticcables, satellite transmission, or radio waves.

WLAN: wireless local area network, e.g. a technology that is used toconnect devices, including mobile devices, laptops, desktop computers,entertainment equipment, etc. through a wireless radio signal. Examplesinclude the known WiFi and WiMAX data communication standards.

System Overview

In a best mode contemplated by the inventors, aspects of the presentinvention are preferably implemented using mobile devices coupled forelectronic (preferably wireless) communications with a mobile financialtransaction system (MFTS). Mobile devices include such items ascellphones and PDAs that are connected for data communications via awireless network to an MFTS. The MFTS is in turn connected to allowremote network access (e.g. Internet access) by users for account setup,configuration, editing, monitoring of transactions, etc. As will beknown by those skilled in the art, such mobile devices are essentiallysmall, hand-held computing devices that include features such asmicrophones and speakers (to enable telephone usage), a wireless signalcircuit such as a digital radio, a microprocessor as a centralprocessing unit (CPU), a color or other display, a keyboard or keypad, astylus, a scroll wheel, control buttons, Bluetooth wireless signaling,infrared data signaling, etc. The MFTS is similarly a general purposecomputing device containing one or more processors and/or centralprocessing units (CPU), data storage in the form of disk drives andrandom access memory (RAM), communication interfaces such as LANconnections, WAN connections, Internet connections, Ethernetconnections, etc.

Accordingly, it will be understood that various embodiments of thepresent invention described herein are preferably implemented as aspecial purpose or general-purpose computer including various computerhardware as discussed in greater detail below. Embodiments within thescope of the present invention also include computer-readable media forcarrying or having computer-executable instructions or data structuresstored thereon. Such computer-readable media can be any available mediawhich can be accessed by a general purpose or special purpose computer,or downloadable to a mobile device through wireless communicationnetworks. By way of example, and not limitation, such computer-readablemedia can comprise physical storage media such as RAM, ROM, flashmemory, EEPROM, CD-ROM, DVD, or other optical disk storage, magneticdisk storage or other magnetic storage devices, any type of removablenon-volatile memories such as secure digital (SD), flash memory, memorystick etc., or any other medium which can be used to carry or storecomputer program code in the form of computer-executable instructions ordata structures and which can be accessed by a general purpose orspecial purpose computer, or a mobile device.

When information is transferred or provided over a network or anothercommunications connection (either hardwired, wireless, or a combinationof hardwired or wireless) to a computer, the computer properly views theconnection as a computer-readable medium. Thus, any such a connection isproperly termed and considered a computer-readable medium. Combinationsof the above should also be included within the scope ofcomputer-readable media. Computer-executable instructions comprise, forexample, instructions and data which cause a general purpose computer,special purpose computer, or special purpose processing device such as amobile device processor to perform one specific function or a group offunctions.

Those skilled in the art will understand the features and aspects of asuitable computing environment in which aspects of the invention may beimplemented. Although not required, the inventions will be described inthe general context of computer-executable instructions, such as programmodules, being executed by computers in networked environments. Suchprogram modules are often reflected and illustrated by flow charts,sequence diagrams, exemplary screen displays, and other techniques usedby those skilled in the art to communicate how to make and use suchcomputer program modules. Generally, program modules include routines,programs, objects, components, data structures, etc. that performparticular tasks or implement particular abstract data types, within thecomputer. Computer-executable instructions, associated data structures,and program modules represent examples of the program code for executingsteps of the methods disclosed herein. The particular sequence of suchexecutable instructions or associated data structures represent examplesof corresponding acts for implementing the functions described in suchsteps.

Those skilled in the art will also appreciate that the invention may bepracticed in network computing environments with many types of computersystem configurations, including personal computers, hand-held devices,multi-processor systems, microprocessor-based or programmable consumerelectronics, networked PCs, minicomputers, mainframe computers, and thelike. The invention may also be practiced in distributed computingenvironments where tasks are performed by local and remote processingdevices that are linked (either by hardwired links, wireless links, orby a combination of hardwired or wireless links) through acommunications network. In a distributed computing environment, programmodules may be located in both local and remote memory storage devices.

An exemplary system for implementing the inventions, which is notillustrated, includes a general purpose computing device in the form ofa conventional computer, including a processing unit, a system memory,and a system bus that couples various system components including thesystem memory to the processing unit. The computer will typicallyinclude one or more magnetic hard disk drives (also called “data stores”or “data storage” or other names) for reading from and writing to. Thedrives and their associated computer-readable media provide nonvolatilestorage of computer-executable instructions, data structures, programmodules, and other data for the computer. Although the exemplaryenvironment described herein employs a magnetic hard disk, a removablemagnetic disk, removable optical disks, other types of computer readablemedia for storing data can be used, including magnetic cassettes, flashmemory cards, digital video disks (DVDs), Bernoulli cartridges, RAMs,ROMs, and the like.

Computer program code that implements most of the functionalitydescribed herein typically comprises one or more program modules may bestored on the hard disk or other storage medium. This program code, asis known to those skilled in the art, usually includes an operatingsystem, one or more application programs, other program modules, andprogram data. A user may enter commands and information into thecomputer through keyboard, pointing device, or other input devices (notshown), such as a microphone, game pad, satellite dish, scanner, or thelike. These and other input devices are often connected to theprocessing unit through known electrical, optical, or wirelessconnections.

The main computer that effects many aspects of the inventions willtypically operate in a networked environment using logical connectionsto one or more remote computers or data sources, which are describedfurther below. Remote computers may be another personal computer, aserver, a router, a network PC, a peer device or other common networknode, and typically include many or all of the elements described aboverelative to the main computer system in which the inventions areembodied. The logical connections between computers include a local areanetwork (LAN) and a wide area network (WAN) that are presented here byway of example and not limitation. Such networking environments arecommonplace in office-wide or enterprise-wide computer networks,intranets and the Internet.

When used in a LAN networking environment, the main computer systemimplementing aspects of the invention is connected to the local networkthrough a network interface or adapter. When used in a WAN networkingenvironment, the computer may include a modem, a wireless link, or othermeans for establishing communications over the wide area network, suchas the Internet. In a networked environment, program modules depictedrelative to the computer, or portions thereof, may be stored in a remotememory storage device. It will be appreciated that the networkconnections described or shown are exemplary and other means ofestablishing communications over wide area networks or the Internet maybe used.

Consolidation of Payment Obligations

With the foregoing implementation architecture in mind, please refer nowto FIG. 1, which provides an overview of a mobile financial transactionsystem (MFTS) 18 and certain features according to an exemplary aspectof the invention. A user 12 of a mobile device 15 (such as a cellphoneor wireless PDA) accesses the MFTS 18 to select payments to make (“PM”)and to select payment sources (“PS”) for making such payments, in themanner that will be described. The major inputs to the MFTS 18 comprisepayments to make 20 (hereinafter “PM”) and payment sources 30(hereinafter “PS”).

PAYMENT TO MAKE (PM): A payment to make (PM) 20 comprises any and allpayment obligations and/or instructions, whereby money or credits aretransferred from one person or entity to another. These obligationsinclude bills that a person or a family receives on a regular basis suchas water bills, electric bills, gas bills, mortgage payments, automobilepayment, insurance payments, telephone and/or mobile phone bills, creditcard bills, etc. These payment obligations may also include any paymentsthat a person or a family initiates such as gasoline purchases, movietheater tickets, any cash-only purchases, other retail payments atpoint-of-sale, as well as payment to an individual. Accordingly, PMs mayoccur either by presentment of a bill by a billing entity or in responseto initiation by a user.

Certain PMs 20 that constitute household bills may be communicated tothe MFTS through a bill presentment channel of the MFTS. In accordancewith an exemplary aspect of the invention, regular household bills arecommunicated to the MFTS at a predetermined interval or on request ofthe user by communication with an electronic bill aggregator, such asCheckFree Corporation, that provides a service of “bill presentment”electronically.

PMs 20 that constitute “occasional” purchases (e.g. at retailestablishments) or payments to individuals are typically initiated bythe user, as opposed to provided in the first instance to the MFTS by anaggregator or by a specific billing entity. Such user-initiatedtransactions are typically sent to the MFTS via wireless communicationsdevices through the services of a mobile communication network (notshown in this figure). Such PMs may be characterized as “PayAnyone”transactions as they contemplate the making of a payment to anyidentified entity including an individual person as well as a commercialentity, at the initiation of the user.

Generally speaking, information associated with a PM 20 typicallyincludes the name(s) of the account owner(s) (i.e. the person who isresponsible for making the payment, if a typical household bill), amobile device number associated with the account and/or account holder,account numbers, account balances, due date, minimum payments,electronic payment account numbers, addresses of the billing entities,etc. This information is generally the same whether the PM is the resultof bill presentment or from user initiation.

PAYMENT SOURCES (PS): The payment sources (PS) 30 comprise any and allfunds available to a person or a family for use in making payments.These fund sources include credit card accounts, debit card accounts,bank checking and/or saving accounts, department store credit cardaccounts, etc. These funds are usually divided into two majorcategories: banking entities and credit entities. Entities that provideand/or maintain such funds are typically financial service providers(FSPs), which are often financial institutions (FI). Banking entitiesusually include checking and/or savings accounts where the moneyavailable to a person or a family is kept. The credit entities usuallyinclude all credit facilities available to a person or a family.

Generally speaking, information associated with a payment source (PS) 30includes the name(s) of the account owner(s) (i.e. the person who ownsor controls the funds), account numbers, account balances, creditavailable and credit limits for a credit card or other creditfacilities, available cash advance amount, names of other authorizedusers or co-owners of the account, special personal identificationnumbers (PIN), restrictions on use of the account, etc.

Still referring to FIG. 1, the major output from the MFTS system 18comprises a subset of information related to one or more payments tomake (PM), a subset of information related to one or more paymentsources (PS), both of which are provided from the MFTS 18 to anindividual mobile device 15 and displayed and/or presented to a user 12for reaction and response. In response to presentation of a PM (orinitiation of a PM), the mobile device 15 provides a payment instructionto a payment instruction recipient such as a financial service provideror financial institution to make a payment, in accordance with theinformation in the payment instruction.

The overall methodology for making a payment in accordance withexemplary aspects of the invention involves seven primary steps.Interactions between the MFTS 18 and mobile devices 15 are establishedthrough communication services provided by a mobile communicationservice provider (MCSP, not shown in FIG. 1) and involve the first foursteps of the methodology. The seven primary steps are as follows:

-   -   1. A first step is to push out PM information (step 1 shown in a        triangle) and a PS information (step 1 shown in a square) from        the MFTS 18 to a mobile device 15, as shown at Step 1.    -   2. A second step is for a user 12 of a mobile device 15 to view        available payments to make (step 2 shown in a triangle) and        payment sources (step 2 shown in a square) available for use in        making selected payments, as shown at Step 2.    -   3. A third step is for a user to activate a pay bill function,        as one example, using the mobile device application on a mobile        device 15, which results in construction of a mobile payment        instruction (MPI) based on the information input by the user 12,        as shown at Step 3.    -   4. A fourth step is the communication of the mobile payment        instruction (MPI) from the mobile device 15 to the MFTS for        handling, as shown at Step 4.    -   5. A fifth step in the overall methodology, but which does not        involve the mobile device or communications with the MCSP, is        the construction of an MFTS payment instruction utilizing        information from the mobile payment instruction, and        communication of that MFTS payment instruction to a payment        instruction recipient, as shown at Step 5.    -   6. A sixth step in the overall methodology of the invention is        the transfer of funds to selected payee by a payment instruction        recipient, typically through a financial service provider, using        a selected payment source, as shown at Step 6.    -   7. A seventh step in the overall methodology of the invention is        for the financial service provider to send a payment        confirmation message back to the MFTS upon successful processing        of the MFTS payment instruction.

More details regarding these steps will now be provided.

With regard to Step 1, the information pushed out to the mobile deviceincludes a subset of payment to make information as shown at Step 1 (PM)and/or a subset of payment source information as shown at Step 1 (PS).The information pushed out does not include all available informationreceived by the MFTS from the payment to make and/or payment sources.Rather, a reduced subset of the payment to make information and/or thepayment source information is pushed out to the mobile device tofacilitate a mobile payment or payment source view. In accordance withexemplary aspects of the invention, the information is reduced so as toprovide quicker and more concise information to a user that facilitatesa decision about making payment and what fund source to utilize. Forbills, this reduced information typically only includes the name(s) ofthe billing entities, a balance due or payment due, and a due date forthe payment to make. For payment sources, the consumer's accountname(s), current balance, funds available etc will be shown.

With regard to Step 2, a user 12 of a mobile device 15 views payments tomake as shown at Step 2 (PM) and views payment sources for use in makinga payment as shown at Step 2 (PS). In accordance with an exemplaryaspect of the invention, the mobile device user 12 is notified via atext message (SMS) when a new payment to make is received by the MFTS 18and/or an update is received by the MFTS from a financial institutionfor an account associated with a mobile device through othercommunication means. According to another exemplary aspect, the mobiledevice 15 retrieves information from the MFTS relating to new paymentsto make or updated financial account information, upon activation ofselected functions on the mobile device such as “view bills,” “paybills,” “pay anyone,” as will be described in detail in connection withvarious functional software modules, herein.

In accordance with another exemplary aspect of the invention, when amobile device user 12 is ready to review the payments to make, he/shecan launch a “mobile wallet” application that runs on the mobile deviceto review the PM and PS. A PM is viewed through a “View Bills” (alsocalled “View Payment to Make”) function and a PS is viewed through a“View Payment Sources” function. An exemplary display screen ofinformation displayed through these functions is shown in FIG. 1. Withthe “View Bills” function, the mobile device user can review billsreceived to date and decide which bill(s) to pay at what time. Throughthe “View Payment Sources” function, a mobile device user can view anddecide what fund source(s) to use for paying a bill of his/her choice.The selection made in this step is not transmitted to the MFTS until a“Pay Bills” function is activated. It should be understood that viewingpayments to make and payment sources does not necessarily require thatthe user select a bill for payment, although that is one of the primaryintended functions of the invention.

With regard to Step 3, the user invokes a “Pay Bills” function in themobile device application on the mobile device 15 to select a payment tomake and a corresponding payment source, which causes the mobileapplication to construct a mobile payment instruction (MPI). This stepincludes selecting a payment to make, selecting a payment source, andconstructing the mobile payment instruction. The mobile paymentinstruction typically includes billing entity information, an amount topay, the date and/or time to pay, and a selected payment source for thispayment.

With regard to Step 4, the mobile application provides the mobilepayment instruction (MPI) via the wireless connection from the mobiledevice to the MFTS for handling.

With regard to Step 5, the MFTS processes the MPI and constructs an MFTSpayment instruction to a payment instruction recipient, which in somecases is a selected financial service provider or financial institutionassociated with the selected payment source. The complete MFTS paymentinstruction typically includes information contained in the mobilepayment instruction, together with selected other information stored inthe database of the MFTS associated with the mobile device users such asthe mobile device user's account number, the appropriate account to usefor payment, the amount of the payments, the date and/or time to pay,account credentials, etc.

With regard to Step 6, the payment instruction recipient effects thepayment by various means, for example it can make the payment itself, orprovide instructions to a selected financial institution to use theselected payment source (PS) identified in the MFTS payment instructionto transfer funds to an account or other payment vehicle of theidentified entity associated with the payment to make (PM).

With regard to Step 7, the financial service provider (FSP) communicatesa confirmation message back to the MFTS upon successful processing ofthe MFTS payment instruction.

It should be particularly appreciated that because the informationprovided to the mobile device is a selected and reduced subset of theinformation that is typically associated with a financial transactionfor making an electronic payment using a selected payment source, themobile device user only sees the minimally required information he orshe needs to decide to make a particular payment, and what source touse. The more detailed and comprehensive information required toconsummate a transaction is stored in the MFTS, transparently to theuser, but retrieved and utilized to make the payment using the selectedpayment source. Advantageously, the user is presented with the requiredbut limited information needed to make payments quickly, concisely, andefficiently, using his or her mobile device, at a place and time of hisor her convenience. Yet, the full details of the transaction arepreferably captured and stored by the MFTS, and may be accessed andviewed by the users at their convenience, for example through a webinterface, as will be described in greater detail later.

More details on the implementation of these general steps will beprovided below.

Referring now to FIG. 2, as system 200 in accordance with aspects of theinvention includes the MFTS 18, a mobile communication service provider(MCSP) 110, a communications network 120 such as the Internet or privatenetwork, a bill presentment system 190, a web interface for users 140,mobiles device(s) 15, connections or interfaces to billing/paymententities 180 and payment sources 30, and other components for certainpurposes.

The MFTS 18 includes a computer system comprising a database 158,telecommunications interfaces 152, and software. The MFTS 18 supportsthree major interfaces or communication methods: a financial serviceprovider (FSP) communication interface 156, a wireless or mobile device(mobile client) interface 152, and a world wide web (WWW) or Internetuser interface (UI). As known to those skilled in the art, an“interface” is a means or method for interaction between machines,devices, computer programs or other complex tool, and a user interface(UI) is a means or method by which a user interacts with a particularmachine, device, computer program or other complex tool. A userinterface provides a means of input (allowing a user to send informationto a system such as the MFTS) and a means of output (allowing the MFTSsystem to display information to the user). These inputs and outputs aretransported via the Internet and viewed by the users using a web browserprogram such as Netscape Navigator, Internet Explorer, Firefox, or anyother web browsers. According to aspects of the invention, users providepersonal information to register for service, input personal andfinancial information to the MFTS, and verify such information through adisplay on the user's computer system.

The financial service provider (FSP) communication interface 156 is aninterface to financial entities 30 that provide payment sources (PS) anda bill presentment interface 155 to billing/payment entities 180 forpayments to make (PM). The computer system of the MFTS connects to thecomputer systems of financial entities through various types of computernetworks, such as a frame secured dedicated path 160, local-areanetworks (LANs), wide-area networks (WANs), etc. as well as the knownInternet 120.

The wireless or mobile device (mobile client) interface 152 providesconnections to a user's mobile device 15. The computer system of theMFTS has a plurality of interfaces to communicate to users' mobiledevices through various wireless telecommunication service providersproviding voice/data service with CDMA, GSM, GPRS, other 2G wirelessdata communication services, and newly emerging 3G wireless dataservices. As known to those skilled in the art, in addition to thestandard voice function of a mobile telephone, many mobile devicessupport many additional services such as SMS for text messaging, packetswitching for access to the Internet and MMS for sending and receivingphotos, sound, music, and/or video. The system 18 thus preferablyincludes an SMS generator 151 for generating SMS message. The mobiledevice communication interfaces 150 allow the users to receive financialand other information wherever they are (provided that they are withinthe coverage area of their MCSP), interact with the MFTS 18, andcomplete various financial transactions.

The world wide web (WWW) or Internet user interface (UI) comprises oneor more web applications 154 for a user to access the MFTS forregistration for service, configuration and account setup, maintenanceof accounts, viewing of payments to make and payment sources and status,etc. Preferably, user account financial information could be submittedto the MFTS from enrollment for service, for example through a businessarrangement with a selected financial institution that has arelationship with an operator of the MFTS. Alternatively, the user canalso user a web user interface to enter user account financialinformation.

Still referring to FIG. 2, in certain aspects of the invention the MFTS18 communicates with a user 12 via his or her mobile device(s) 15 and/orhis or her associated computer 140, a mobile communication serviceprovider 110, a data communication network such as the Internet 120, asecured dedicated network path 160, financial service providers (FSPs)30, that provide payment sources 30, billing entities 180, and/or a billpresentment system 190.

The mobile devices 15 communicate with the MFTS 18 via a wirelessconnection (illustrated as antenna 112), using a wireless communicationservice provided by a mobile communication service provider (MCSP) 110.The mobile devices 15 comprise any devices that are connected for datacommunications with a mobile communication network via the MCSP 110.Such devices 15 may include a pager 15 a, a personal digital assistant(PDA) 15 b, cellular or mobile phone 15 c, or any other electronicdevice that includes functionality of a PDA or mobile phone, with thecapability of receiving information via a wireless link, receive userinput, and transmit data (e.g. a payment instruction) to the MFTS.

The present invention will be described in terms generally applicable tovarious types of mobile communication services provided by an MCSP 110.Those skilled in the art will understand and appreciate that theinvention is not limited to any particular type of mobile, or wireless,communication standard, but may be implemented using any of a number ofdifferent but functionally equivalent wireless data communicationstandards. At the present time in the United States, digital cell phonenetworks are primarily based on two underlying standards: GSM (GlobalSystem for Mobile communications) and CDMA (Code Division MultipleAccess). Some MCSPs use GSM, while others use CDMA. Yet others use astandard called PCS, which is based on CDMA but uses differentfrequencies. Furthermore, so called “broadband” wireless datacommunication standards know as WiFi and WiMAX, which are currently usedfor WLAN implementations, are also usable for implementing embodimentsof the invention, but such standards are not at the present time widelydeployed in handheld mobile devices.

These and other, perhaps not yet created, wireless data communicationstandards may be employed in constructing embodiments of the inventionsdescribed herein, without undue experimentation as those skilled in theart will understand how to employ such technologies in makingembodiments of the inventions.

It will also be understood that presently-contemplated upgrades to bothGSM and CDMA mobile wireless standards, as well as upgrades to otherdata communication standards, will be useful in constructing embodimentsof the inventions. For example, to better handle data traffic (inaddition to voice traffic), many GSM networks now operate using astandard called GPRS (General Packet Radio Service) that can carry dataat up to 56 Kbps—about the same speed as a dial-up connection—togetherwith the GSM signals that carry the voice traffic. More recently, thenetworks that use GSM have added an enhancement called EDGE (EnhancedData rates for GSM Evolution) that increases the data transmission speedto 144 Kbps. CDMA networks have also upped their data speeds using astandard known as 1xRTT (Radio Transmission Technology) measuringthroughput at 144 Kbps. A further recent upgrade for CDMA networks iscalled 1xEV-DO (Evolution-Data Only) which can carry data at atheoretical maximum of several megabits per second—as fast as presentday DSL or cable Internet connections. Further still, some MCSPs nowprovide a service called UMTS (Universal Mobile TelecommunicationsSystem), an upgrade to GSM networks that speeds connections to a maximumof 384 Kbps and allows for simultaneous voice and data, a desirablefeature for users to make and receive voice calls while simultaneouslyusing data services such as wireless laptop use.

It is expected that as demand for wireless data communicationsincreases, MCSPs will introduce even faster standards and enhancementsto their networks. For example the contemplated Rev A EV-DO will speedup EV-DO networks to 1.8 Mbps upstream and 3.1 Mbps downstream, andHSDPA (High-Speed Down Packet Access), an upgrade to UMTS that promisesspeeds of 1.8 Mbps and also allows for simultaneous voice and data.

Further still, it should be understood that the technologies for shorttext messaging (e.g. SMS) are typically implemented using theabove-described data communication technologies to carry text messages.Such wireless data communication technologies are also used to supportfunctions such as wireless Internet browsing on mobile devices;downloading of music, ringtones, videos, photographs; and protocolsupport for wireless applications (e.g. a mobile application constructedas described in this document).

Accordingly, those skilled in the art will understand that numerousequivalents for the elements of the invention that provides the wirelessconnection between the mobile devices 15 and the MFTS 18, for supportingthe mobile application and facilitating transactions the mannerdescribed herein, are contemplated for use in constructing embodimentsof the invention.

The data network 120, which includes the well-known Internet, offersaccessibility to the MFTS 18 through wired or wireless connections.Users 12 can access the Internet 120 through their home/officeconnection as well as through their mobile devices 15. A user'scomputer, shown at 140, is connected to the Internet 120 through theirhome/office connection, or wirelessly connected through a mobilecommunication service provider. According to aspects of the invention,users have the flexibility to access billing information and paymentinformation either with a computer online with web view access or via amobile device 15 with mobile views.

It will be appreciated that, in general, a mobile view will provide lessinformation to the user than a web view, because mobile devicestypically have smaller display screens (to facilitate mobile use) andusers are often desirous of using certain basic functionality quicklyand efficiently in a mobile environment, provided that they have moredetailed information available via other means, at a later time.However, the present invention specifically contemplates modes ofoperation where further transaction details may be obtained through afunction of the mobile device, as well as through web views using acomputer 140 connection for Internet usage.

The MFTS 18 includes several software components, described in greaterdetail later in this document, that execute on a computer serverassociated with the MFTS. Such components include an SMS generator 151,MFTS mobile device communication interfaces 150, one or more webapplications 154, a plurality of partner financial service provider(FSP) interfaces 156, and a user database 158.

The mobile device communication interfaces 152 are preferably an HTTPRemote Procedure Call (RPC) interface that provides mobile clients withaccess to financial services available on the MFTS. The mobile clientinterface is preferably designed to facilitate communications betweenthe MFTS 18 and the mobile users, including all data transmissions andreceptions, as well as SMS transmissions and receptions through the SMSgenerator 151. The SMS generator is a software component that receives amessage for communication to a mobile device and converts the messageinto SMS format, which is usually purely textual information, andtransmits the message to a MCSP in the SMS format as specified by theMCSP. Details of the required SMS format for a particular MCSP may beobtained by inquiry of the applicable MCSP.

The web applications 154 reside on the server of the MFTS, and comprisesone or more of the following major components: a User Site 153, and anAdministration (Admin) Site 157.

A User Site 153 is a web application (HTML) whose purpose is to allowusers to enroll or register for services provided by the MFTS 18, managetheir mobile clients, and perform other user-related functions such asaccount maintenance, adding a new payee, verifying account informationfor payment sources or payments to make, etc. A User Site 153 is usedfor a user to enroll to receive services by providing appropriateinformation such as name, address, mobile number, etc., to obtain ausername and a password for security purposes, and to provide the MFTS18 with detailed information about a user's billing entities and theirpayment sources such as account number, access/authentication methodsetc.

An Administration Site 157 is an application (typically web or HTML)used by the MFTS Production Operation personnel to administer thesystem. It is typically used by information technology (IT)administrators of the MFTS 18, troubleshooting, answer inquiries,account maintenance, view transaction history, general systemmonitoring, etc.

The MFTS 18 also comprises multiple financial service providercommunication interfaces 156 to partner Financial Service Providers(FSPs) 30, which are entities that provide functions such as paymentsource detail, bill aggregation or bill payment connectivity, or areentities to whom payment instructions are sent on behalf of a user. Thefinancial service provider communication interfaces 156 facilitateelectronic data communication information transfer between the MFTS andindividual financial service providers such as banking entities, creditentities, etc. The technical requirements for these interfaces vary intheir implementation and may need to be customized to accommodate eachindividual financial service institution. Such interfaces are typicallyimplemented as real time web services interfaces or batch mode filetransfer protocols, depending on the capabilities and requirements ofthe participating partner financial service providers. Details of thedata communication requirements of specific FSPs may be obtained fromthe FSP directly.

A special secured dedicated network path 160 such as a frame relay, aprivate network, an internet virtual private network (VPN), or a webservice is preferably used for data communications between the MFTS 18and various FSPs to ensure the security of the financial informationtransmission. Details about the particular forms of security, protocols,requirements, etc. will be established between the MFTS 18 and eachfinancial institution that participates in the system and methodsdescribed herein.

Still referring to FIG. 2, a user database 158 associated with the MFTS18 stores information related to all users, financial service providersthat serve users, billing entities that serve the users, payees and howto make payments to them, and other related information. Details aboutthe information stored in the user database 158 are provided inconnection with FIG. 6 and the associated discussion.

As previously described, FSPs that provide payment sources (PS) 30include banking entities such as banks, credit unions, savings andloans, brokerage firms that provide savings/checking/money marketaccounts, and other financial institutions; credit entities such ascredit card issuing companies, banks and/or department stores, gasolinecompanies, etc.; and any other financial institutions with whom theusers of the MFTS do business. Payment sources 30 provide payments 194to selected billing entities 180, in the manner described herein.

Billing entities 180 include service companies that serve the users suchas gas 185, water, electricity 181, phone/cell phone 183,satellite/cable/Internet providers, credit card companies, and any otherentities that send a bill to a user for products purchased or servicesrendered. As will be understood, many billing entities 180 send bills192 on a regular basis (often monthly). Bills can also come from billingentities that provide services to users such as insurance companies,homeowner associations, trash pickup, pest control, auto repair, lawn &garden, landscaping, cleaning, etc. Some entities do not send bills on amonthly basis, but on a semi-annual, quarterly, or annual basis, or ondemand when a service is rendered. Occasionally, people have the need topay others individually such as co-workers, friends, family members,etc. All of these bill or non-bill payment obligations are referred as apayment to make (PM).

According to one exemplary aspect of the invention, a bill presentmentsystem 190 can be utilized to receive bills from billing entities 180and aggregate them into a package for presentment to a user,electronically or otherwise. A bill presentment system 190 can be eithera service or component of the MFTS 18 or an independent service entity.For example, CheckFree Corporation, Norcross, Ga., provides a billingaggregation and bill presentment service. A bill presentment systemretrieves bills from one or more individual billing entities andpresents the bills to the MFTS system; information relating to thecollected/retrieved bills is stored in the user database 158 of the MFTS18.

It will be understood and appreciated that a billing aggregator and theMFTS 18 may be constructed as a separate systems, operated by the sameor by different entities, or may be constructed as an integrated systemwherein the aggregator functions and the MFTS functions are carried ascomplementary and intercommunicating computer processes. Thus, althoughFIG. 2 shows the MFTS 18 and the aggregator/bill presentment system 190as separate entities, those skilled in the art will understand that suchfunctionality can be provided in an integrated system.

According to an exemplary aspect of the invention, the mobile devices 15may be configured to operate in conjunction with a billing entity suchas a retail establishment by receipt of a payment to make (PM) from aradio frequency identification (RFID) device 187. Various forms ofRFID-based payment terminals are now becoming available in the realm ofcommerce. As will be known to those skilled in the art, RFID-basedpayment terminals are operative to detect the presence of an RFIDelectronic circuit, perhaps contained in a mobile device, in proximityto an RFID-based payment terminal, and automatically transmit a wireless(WiFi, Bluetooth, infrared, etc.) signal constituting paymentinformation in return to the associated device. It is contemplated thata mobile device 15 can be configured to receive a payment obligation (aPM) from a merchant at point-of-sale (POS) via a wireless communicationin a direct manner, and thereby provide the user the capability andopportunity to pay a billing entity for the goods or services provided,as described herein.

Also shown in FIG. 2 is a special financial service provider (FSP) 175that provides a special holding account on behalf of the MFTS 18, forpurposes of holding funds in connection with transactions on a temporaryor interim basis. The holding account FSP 175 provides an FDIC-insuredaccount for holding funds in connection with escrow-type transactionswherein release of payment to a billing entity 180 is conditioned onsome event such as delivery of particular goods or services, or specificauthorization from a user, or other purposes. The holding account FSP175 may be utilized in the following exemplary manner: upon selection ofa payment source (PS) by a user for making a payment, the selectedpayment source can be instructed, with a payment instruction, totransmit the funds to the holding account 175, where such funds will beheld on behalf of the user until a release event (e.g. delivery ofgoods, execution of an agreement, or other predetermined event), atwhich time the holding account 175 will transmit the funds to theindicated billing or payment entity.

General Operation of MFTS

Prior to discussing the software architecture of the preferredembodiments of the invention, the overall operation of the disclosedMFTS 18 will be briefly described. As will be understood, much of thefunctionality of the embodiments of the invention are implemented incomputer software and involves user interaction with his or her mobiledevice, creation of data records, communications between mobile devicesand the MFTS 18, and communications between the MFTS 18 and variousother parties and their systems such as financial institutions, billingentities, person to whom payments are made, etc. Still referring in thisregard to FIG. 2, the overall operation of the MFTS 18 according tocertain aspects of the invention includes the following exemplary steps:

-   -   1. A customer or user 12 first registers with the MFTS 18 and        creates an account with the MFTS service. This registration is        completed via the user web site interface 154 either through a        computer 140 with a internet connection, or through a mobile        device 15 that has Internet access capabilities. The account        owner (user) chooses or is given a username and a password for        security and authentication purposes. A user profile is created        for the account and necessary information such as a mobile        device identification number or phone number associated with the        account is entered and saved to the user database 158 in a user        record. All billing entities for payments to make (PM) that the        user wishes the MFTS to serve are entered by the user into the        user database, including account number, name and address of the        account owner, billing cycles, and any other related        information. Likewise, one or more payment sources (PM) are also        entered into the user database, including the bank routing        number(s) and account number(s), name(s) and address(es) of the        account owner(s), access codes such as PIN, access methods,        credit card number(s), expiration date(s) of the credit card(s),        etc. Alternatively, the FI information can be pulled into the        MFTS through the FSP communication interface 156.    -   2. According to one exemplary aspect of the invention, the user        12 downloads to his/her mobile device 15 a mobile client (also        called a mobile application or a “Mobile Wallet”) from the MFTS        main website, as shown at 215. The downloaded mobile application        may be (a) downloaded to the user's computer 140 for later        synchronization and/or loading into with the mobile device for        situations where a mobile device's software must be loaded from        a PC, or (b) alternatively directly downloaded via the wireless        network into the mobile device for situations where a mobile        device is capable of direct application download. The mobile        client or application is configured and certified for the brand        and model of mobile device 15 possessed by the user 12. For        example, the mobile application in the disclosed embodiment is        an application that resides on the user's mobile device. It will        be understood that, according to a preferred exemplary aspect of        the invention, because the mobile client is an application that        runs independently on the mobile device and does not require an        active communication connection to the MFTS 18, it can operate        in an offline mode when or where the mobile device is out of its        coverage area by utilizing local storage on the mobile device.        The ability to utilize local storage on the devices allows data        caching, which speeds up end user interactions and the ability        to queue user-initiated transactions until connectivity is        restored. Additionally, offline support allows for eliminating        intermittent signal activity that could impact the user        experience seen in WAP-based solutions in the marketplace today.    -   3. At predetermined intervals, the MFTS sends requests to a        billing aggregator (e.g. bill presentment system 190) or to the        billing entities 180 to retrieve the bills 192 of MFTS users.        Alternatively, the MFTS may receive bills from billing entities        at certain billing cycles, from a billing aggregator or directly        from a billing entity.    -   4. The MFTS receives the bills and notifies the user of the due        bill via SMS (according to one aspect). The user then launches        the mobile client software on the mobile device 15, which        communicates with the mobile device communication interface 152        to see the bill that is payable. The SMS message preferably only        contains brief and abbreviated information as simple as the name        of the billing entity and amount due; additional information may        be obtained by the mobile device (see next step).    -   5. The user opens the Mobile Wallet application on his/her        mobile device(s) to view received bill(s) via a request to all        applicable billing entities.    -   6. If the user decides to pay a bill, the user can select one of        the available payment sources (PS) and select one of possible        plurality of bills (PM) to make a payment. A payment instruction        is formed by the user by selecting a PM and selecting the PS for        the PM.    -   7. The user is preferably presented with a confirmation screen        on the mobile device that presents the basic information about        the bill to pay, the timing on the payment, the balances        available, etc., before committing the payment to the system. If        the user confirms the payment, the mobile device 15 sends an        abbreviated mobile payment instruction to the MFTS 18.    -   8. In response to receipt of the mobile payment instruction from        a mobile device, the MFTS 18 appends other related information        to form a complete payment instruction (MFTS payment        instruction) that instructs a selected financial service        provider to complete the payment transaction by transferring        funds from a selected PS to the payee, using a payment method        that has either been preselected or selected as a part of the PM        and PS selection process.

Further details about specific communications between the mobile device15, the MFTS 18, FSPs with payment sources 30, billing entities 180,bill presentment system 190, etc. are provided in various flow chartsand diagrams, elsewhere in this document.

Software Architecture

The software architecture of the mobile financial transaction system(MFTS) is shown in FIG. 3. According to one embodiment of the presentinvention, the software of the MFTS comprises two major components: amobile device application 400 (“Mobile Wallet”) and MFTS software 500.The mobile device application 400 resides on a mobile device and isaccessed by the owner of the mobile device. The MFTS softwareapplication 500 resides on a server computer connected to the Internetand it is accessed by users through their Mobile Wallet application andweb browsers.

Referring now to FIG. 3A, a software architecture diagram of a mobiledevice application 400 (“Mobile Wallet”) is shown according oneembodiment of the present invention. The mobile device application 400comprises: a mobile device main program 335 for controlling theoperation of the mobile device application 400; a mobile deviceinput/output interface 331 for displaying messages, receiving userselections or inputs, and facilitating the user's operation; a securitymanager 333 for providing security measures for wireless communication;a mobile device storage interface 337 for storing and retrieving datato/from a local storage device 341 such as a non-volatile memory devicewithin the mobile device; and a mobile device communication interface339 for communicating with the mobile device radio hardware 343 on themobile device, which in turn communicates with the mobile communicationservice providers (MCSPs) 110 according to their specific protocols.

FIG. 3A also illustrates a number of routines or functions 301, 303,305, 307, 309, 311, 313, 315, and 321 that are provided by the mobiledevice software or mobile wallet application 400. Such routines orfunctions provide user functionality on the mobile device, as shown. AView Payment Sources routine 301 provides a display of payment sourceson the user's mobile device; details of this routine are provided inFIGS. 13 and 14. A View Bills routine 302 provides a display of bills orpayments to make on the user's mobile device; details of this routineare provided in FIGS. 15 and 16. A Pay Bills routine 305 provides forselecting of a bill to pay or a payment to make on the user's mobiledevice; details of this routine are provided in FIGS. 17 and 18. A PayAnyone by Name routine 307 provides for making a payment to a person byname on the user's mobile device; details of this routine are providedin FIGS. 19-22 and 26-28. A Pay Anyone by mobile number routine 309provides for making a payment to a person by mobile number on the user'smobile device; details of this routine are provided in FIGS. 23-25 and29-31. A Balance Transfer routine 311 provides for moving funds betweena user's accounts via the user's mobile device; details of this routineare provided in FIGS. 32 and 33. A Download Application routine 313provides for downloading a Mobile Wallet application to a user/payee'smobile device from the MFTS, in connection with receiving a payment toallow use of aspects of the invention by payees in connection withreceiving a payment; details of this routine are provided in FIGS. 34and 35. A Change PIN routine 315 allows a user to change his or herpersonal identification number (PIN) via the mobile device; details ofthis routine are provided in FIG. 36. A Receive SMS (text message)routine 321 provides for sending a text message (SMS) to a payee, toadvise a payee that a payment has been received; details of this routineare provided in FIGS. 15 and 20.

Referring now to FIG. 3B, a software architecture diagram of the MFTSsoftware 500 is shown according one embodiment of the present invention.The MFTS software 500 comprises: an MFTS main program 350; an MFTSmobile device communication interface 150 for communicating with mobilecommunication service providers 110; a web application interface 154 forreceiving user's enrollment, registration, retrieving and updatinginformation through a user web site over the Internet 120; a P2P service375 for facilitating person to person financial transactions; astorage/database (DB) interface 377 for storing and retrieving datato/from a MFTS user database 158; a financial account service 379 forfacilitating user authentication; a financial service provider (FSP)communication interface 156 for communicating with financial serviceproviders 30, as well as MFTS bank holding account 175 (if applicable);and a bill presentment interface 155 for receiving bills from variousbilling entities 180 through a bill presentment system 190.

The MFTS main program 350 interacts and coordinates with the othermodules and services in the MFTS, and acts as a “traffic cop” forinformation routed between the various storage and communicationinterfaces.

The preferred web application input/output interface 154 allows users toenroll or register with the MFTS system, to add/edit/view/delete mobileclients, add/edit/view/delete credit card/bank accounts, andadd/edit/view/delete payees or billing entities. The web applicationinterface 154 further allows user to initialize a mobile client, and tounlock a locked mobile device after a series of failed logins. Exemplarydisplays associated with the preferred web application interface 154 areshown and described in connection with FIGS. 10-12.

The preferred web application interface 154 provides a number offunctions or routines for users to access via an Internet (web)connection, if desired. It will be appreciated that users may prefer toconduct certain types of functions such as enrollment, adding a payee,changing configurations of the operations, etc. via an Internet webinterface instead of via a mobile interface. For example, and inaccordance with aspects of the invention, functions that are provided inthe preferred embodiment via a web interface include enrollment 351 (seee.g. FIG. 37); editing a mobile client 353 (see e.g. FIGS. 37B, 37D);editing credit card and/or bank accounts 355 (see e.g. FIGS. 38A-38D);editing or adding a payee 357 (see e.g. FIGS. 39A, 39B); initializing amobile client 359 (see e.g. FIGS. 37A, 37C); and unlocking a mobileclient 361 (see e.g. FIG. 37A). Details of the preferred softwareroutines are provided in connection with the referenced figures.

The preferred input/output interface 154 may be replaced with analternative embodiment of the interface 154′, which provides a differentweb user interface functionality and display, as described in connectionwith FIGS. 40-42.

Mobile Device Software

FIG. 4 is a flowchart of the main program 335, which is one of thesoftware modules of the mobile device or “Mobile Wallet” software 400that runs on a mobile device 12 in accordance with aspects of theinvention. It will be understood from FIG. 3A that the mobile devicemain program 335, in the disclosed embodiment, is the main program loopof the mobile wallet software 400 that coordinates the operations of theother mobile device software modules including the mobile deviceinput/output interface 331, a security manager module 333, a mobiledevice storage module 337, and a mobile device communication interfacemodule 339.

In typical use, a mobile device user turns on his/her mobile device,reviews any recent text messages (in some embodiments), navigates to or“launches” the mobile device application 400 by initiating the operationof the mobile device main program 335, views the displays generated bythe program, and interacts with the program to provide commands andinputs, e.g. to view a bill, or select a payment source, or make apayment. In accordance with aspects of the invention, a user may launchthe mobile device application 400 in response to receipt of a textmessage indicating that a new bill is available to be paid (or othermessage from the MFTS), or may independently launch the mobile deviceapplication to invoke a function of viewing a bill, paying a bill, etc.

In FIG. 4, a first step 405 involves the mobile device checking whethera text message (SMS) has been received. For example, according to anaspect of the invention a text message is sent by the MFTS to a mobiledevice to inform the user that a new bill has been received and can bepaid, or that a payment has been received from another user. See FIGS.15 and 20 in this regard.

It will be understood that a received text message may or may not berelated to the MFTS or any functions thereof. However, any unrelatedtext messages will be ignored for the purpose of discussion here and itis assumed that all messages received are related to the MFTS and itsoperations. It will also be understood that in some mobile devices textmessages are received by an independent process or module and stored inmemory for access by other processes, while text message receipt andprocessing could be optionally incorporated as an integrated functionwithin the mobile device software 400. If a text message relating to anMFTS function has been received, whether by an independent process inthe mobile device or integrally within the application, at step 460 theuser may open the text message and determine what to do in response tothe message.

At step 470 the user may elect to download the mobile device software(e.g. download the Mobile Wallet software), if they are not currently anenrolled user. The user will be provided with information as to how toaccess and download the software. More information is provided aboutenrollment elsewhere in this document. The user would be required todownload the Mobile Wallet software and execute it on his/her mobiledevice before any of the other functionality in FIG. 4 can be invoked.

After step 460, the program loops to step 490 to look for an exit(terminate) command or event, and can loop back to step 405 in acontinuous loop and repeat the operations.

Returning to step 405, if no text message is received, the programcontrol passes to step 410, where the user may elect to activate themobile wallet software 400 and utilize the functions provided thereby.If not (i.e. there is no user command to enter the mobile walletsoftware at step 410), control loops back to test for text messagesand/or activation of the mobile wallet software.

If at step 410 the user has launched operation of the mobile walletsoftware 400, control passes to step 415 where the user may choose froma list of functions provided by the software on the mobile device. Thosefunctions will be described below. The program loops continuouslyawaiting user input of a selected function, which includes an “exit”command as shown at step 490.

In accordance with one embodiment of the invention, at step 415 the usermay choose to invoke or run the following functions provided by themobile device main program 335:

-   -   1. View payment sources and balances as shown in step 420 (see        FIGS. 13 and 14 for further discussion);    -   2. View bills as shown at step 425 (see FIGS. 15 and 16 for        further discussion);    -   3. Pay bills as shown at step 430 (see FIGS. 17, 18A and 18B for        further discussion);    -   4. Invoke a “Pay Anyone” function as shown in step 435 (see        FIGS. 19-31 for further discussion);    -   5. Request an account balance transfer as shown in step 440 (see        FIGS. 32 and 33 for further discussion); and    -   6. Change the personal identification number (PIN) as shown in        step 445 (see FIG. 36 for further discussion).

Other functions are also provided according to an aspect of theinvention, if provided with an “inbox” and “outbox” function for viewingincoming and outgoing payments:

-   -   7. View Inbox payments as shown at step 450 (see FIGS. 20, 22-24        for further discussion); and    -   8. View Outbox payments as shown at step 455.

It should be understood that the functions of view inbox payments (step450) and view outbox payments (step 455) are optional functions for anembodiment where a listing of incoming payments from other users (inboxpayments) is maintained in the mobile device, and/or a listing ofoutgoing payments that have been generated and sent from the mobilewallet software is maintained in the mobile device while the payment ispending, for viewing independently of the operation of the mobile walletsoftware.

Still referring to FIG. 4, after the user invokes a particular function,appropriate program instructions for effecting those functions areexecuted by the mobile device. Exemplary displays and discussion of suchfunctions is provided in connection with the referenced figures in FIG.4, and the reader is referred to such discussions elsewhere. After eachfunction is performed, the mobile device application proceeds to step490 and either loops back to test for input of another user function orexit. The user can either continue further operation of the mobiledevice application or terminate the application. If the user decides tocontinue, the mobile device application returns to step 405 to checktext messages or continue operation of the mobile wallet application.

FIG. 5 is a flowchart of the MFTS main program 350, which is one of theMFTS software modules 500 that runs on a computer system or server in anMFTS 18 in accordance with aspects of the invention. This main program350 coordinates the other programs and functions of the MFTS as shown inFIG. 2, e.g. MFTS mobile device communication interface 150, SMSgenerator 151, web applications 153, FSP communication interface 156,bill presentment interface 155, accessing and maintenance of the userdatabase 158, etc. It will be understood from FIG. 3B that the MFTS mainprogram 350, in the disclosed embodiment, is the main program loop ofthe MFTS software modules 500 that coordinates the operation of othersoftware modules associated with and forming a part of the MFTS 18.

In typical use, the MFTS 18 operates continuously to monitor for inputsfrom various sources. The primary inputs come from user enrollment,where a user inputs information to establish an account or relationshipwith the MFTS system operator, from mobile devices as users view and paybills, from communications with billing entities, financialinstitutions, and/or FSPs to receive bills to pay, provide paymentinstructions to such institutions and partners, and receive informationsuch as account balances and payment confirmations. Those skilled in theart will understand that the software 500 is preferably constructed torun on a computer server in a multi-threaded, multi-tasking,web-enabled, secure, real-time 24/7 computing environment, that ismessage-driven by the various entities with which the systemcommunicates.

In FIG. 5, the process for the MFTS main program 350 starts withdetermining that an input from an associated entity (e.g. user viamobile device, user via web interface, FSP, etc.) has been received andmust be processed. The system determines at step 505 if an input hasbeen received from the mobile device communication interface 152, atstep 510 if an input has been received from a web application 154, atstep 515 if an input has been received from the bill presentment systeminterface 155, and at step 520 if an input has been received from afinancial service provider (FSP) interface 156. At step 530, the program350 then branches to or executes to an appropriate routine or interfaceto carry out the specific function associated with the incoming message.Specifically in accordance with aspects of the invention, such routinesor interfaces comprise (a) handling communications and messages with abill presentment service via the bill presentment interface 155; (b)handling communications and messages with a web-accessing user oradministrator via the web application interface 154; (c) handlingcommunications and messages with mobile devices via the mobile devicecommunication interface 152; (d) handling communications and messagesrelating to a person to person (P2P) type payment through a person toperson payment service 375; (e) handling communications and messagesrelating to financial accounts of a user via a financial account service545; and (f) handling communications and messages relating to financialservice providers (FSPs) via the FSP communication interface 156.

As described above briefly in connection with FIG. 3B, a mobile deviceuser may wish to enroll as a registered member of the MFTS, afterreceiving a payment from a registered user, or at his/her own will. Theuser may access a web site designated by the MFTS using his/her computerconnected to the Internet and web browser to use the web application.The web site may contain information related to the services andbenefits the MFTS provides and a specific page for user enrollment. Ifthe user decides to enroll, he/she then accesses the web application,which is effected by the web application interface 154, and selects afunction to perform.

As shown generally in FIG. 3B, typical web-accessible functions providedto a user include the following:

-   -   1. Enrolling a new mobile client to the MFTS (see FIG. 37A for a        preferred embodiment and FIG. 40 for an alternative embodiment);    -   2. Editing a mobile client including adding, editing, viewing        and deleting a mobile client (see FIGS. 37B and 37D for a        preferred embodiment and FIG. 40 for an alternative embodiment);    -   3. Editing credit card and/or bank accounts including adding,        editing, viewing and deleting credit card and/or bank accounts        (see FIGS. 38A-D for a preferred embodiment and FIG. 42 for an        alternative embodiment);    -   4. Editing a payee including adding, editing, viewing and        deleting a payee (see FIGS. 39A-B for a preferred embodiment and        FIG. 41 for an alternative embodiment);    -   5. Initializing a mobile client including downloading software        to a designated mobile device, setting up a password, and        activating the mobile device (see FIGS. 37A and 37C for a        preferred embodiment); and    -   6. Unlocking a mobile client after the mobile device is locked        (perhaps accidentally or to prevent fraud) after a predetermined        number of failed logins (see FIG. 37A for a preferred        embodiment).

Returning to FIG. 5, after each function is performed, the MFTS mainprogram 350 continues to run by looping back to test for new input atsteps 505, 510, 515, and 520.

User Database and Schemas

Although not shown specifically as an independent step or process inFIG. 5, but shown in FIG. 3B, those skilled in the art will understandthat the MFTS 18 includes a storage/database (DB) interface 377 forstoring and retrieving data to and from the MFTS user database 158. Thisdatabase 158 stores two primary categories of data: user data andtransaction data. User data comprises information about individual usersof the system including their respective payees, financial institutions,and accounts. Transaction data comprises information that is specific toa particular transaction of a particular user, e.g. when a user providesthe system with an instruction to pay a particular bill. The transactioninformation is a record of each transaction that is initiated by a user.Both the transactions data and user data are stored in tables in theuser database 158 arranged in a particular format or schema inaccordance with aspects of the invention.

FIG. 6 illustrates database schemas (data table layouts) for the userdatabase 158 in a mobile financial transaction system (MFTS) accordingto an exemplary aspect of the invention. The user database 158 comprisesseveral data tables that are related: a master user table 610, a userfinancial accounts table 620, a financial service provider (FSP) table630 and a payees table 640. These tables store data associated withusers, accounts of users, financial service providers (payment sources)associated with users, and payees associated with users. As is known tothose skilled in the art, database tables typically comprise a pluralityof records, each record containing one or more fields or items of datathat are associated. Further, those skilled in the art will understandthat a “record,” in database parlance, is a single instance or dataitem, usually consisting of a collection of one or more fields orsub-items of information, each field or sub-item typically having afield identifier in a schema that identifies what the information in thefield represents; an array or collection of multiple records is oftenreferred to as a “table” or a “database.” Databases or tables ofteninclude one or more index fields or items that allow rapid access to aparticular record so that the record may be identified, retrieved, andutilized in a transaction or updated with new information as needed.

The master user table 610 comprises a set of information (a record) foreach registered MFTS user. In one aspect of the invention as shown inFIG. 6, the set of information comprises a user identifier or user ID, aname (e.g. the full name of a user), a user name (e.g. a login nameassociated with a user), and other information that allows a particularuser of the system to be identified as enrolled for use of the system.Further information that can be included in the user table 610 comprisesan account number (e.g. an account number of a user with an entity thatoperates the MFTS), the user's contact information such as mailingaddress, residential phone number and mobile phone number, phone numberfor the mobile device associated with the MFTS, email address andpassword, etc. As will be understood, a mobile device will typicallyprovide a user identifier in some form to the MFTS, upon login of theuser, so as to allow the system to authenticate the user for purposes ofusing the system to make payments, view bills, obtain real time accountbalances, etc. in accordance with various aspects of the invention.

The set of information in the master user table 610 preferably furthercomprises pointers to entries in a user financial accounts table 620, afinancial service provider table 630, and a payee table 640 associatedwith the user. As known to those skilled in the art, a “pointer” in adatabase is information that allows a computer program module to locateand retrieve related information in another table in the database.

In accordance with an aspect of the invention, each user may have aplurality of financial accounts and a plurality of financial serviceproviders for such accounts. For each user, the user financial accounttable 620 comprises information about one or more accounts of a userwith at least one financial institution or financial service provider(FSP), which information includes the user's account number with aparticular financial institution, the financial account type (e.g.checking, savings, credit card, money market, etc.), the account numberof the user in his/her financial institution, an index or pointer to aparticular financial institution (shown as “FSP ID” (provider number) orprovider in the financial service provider table 630, etc. Otherinformation relating to identification and/or utilization of a user'sfinancial accounts may also be stored and is contemplated.

The financial service provider table 630 comprises informationcorresponding to one or more financial service providers associated witha user. For each financial service provider entry in the table 630, thetable includes information including but not limited to an index numberand/or identifier (ID) associated with an associated financial accountin the user financial account table 620, the provider's name and/ornickname, type of service provided (e.g. a bill presentment service, abank, a credit facility, etc.), an account number with the financialservice provider (not shown), associated password (not shown), accountholder's contact information, verification data, etc. Other informationrelating to identification and/or utilization of a user's financialservice providers may also be stored and is contemplated.

Payee information is stored in a payee table 640. Payee information isinformation that is needed to identify a particular payee to whom apayment is or may be sent, and how that payee should be paid. Aplurality of payees can be set up for each user of the MFTS. Payees maybe billing entities that provide services such as water, gas, electricalpower, communication services such as local phone or mobile phoneservices, mortgage, credit card, and/or other companies providingmonthly bills or otherwise providing bills on a regular basis. On theother hand, payees may also be an individual (e.g. a user's peer,colleague, acquaintance, relative, etc.) to whom a user may have anoccasional payment obligation. The payee table 640 comprises informationrelating or associating a particular user to one or more payees,including an account number or identifier associated with the user ofthe MFTS that ties that payee to a particular user, a payee number oridentifier (e.g. payee ID) that identifies the payee, an account numberassociated with the payee, payment periods, payment authorization, etc.Other information relating to identification and/or utilization of auser's payees may also be stored and is contemplated. In accordance withaspects of the invention, a particular payee associated with a user isidentified in the payee table 640, through provision of information tothe MFTS through a mobile payment instruction, which causes the MFTS toaccess the table 640 to obtain information about the payee so that apayment can be made to that payee.

Referring now to FIG. 7, a transaction table 710 is maintained in atransaction database 705 for storing information relating to mobiletransactions such as payment source balance inquiries, payment to makeinquiries, and payments made by a user. Those skilled in the art willunderstand that each payment or each inquiry transaction from a mobiledevice results in creation of at least one record that is stored in thetransactions table, for purposes of creating an audit trail, a datedrecord of transactions, and facilitating database commit and rollbackoperations. Each transaction record comprises information including butnot limited to: a transaction identifier (a unique identifier), date andtime stamp for the start and end, user name or ID, or both, selected oneor more transaction-related financial institutions, their names, ornicknames, or coded identifiers, selected account, the nature of thetransaction, timers for synchronized responses, balance amounts for eachaccount related to an inquiry, balance due amount related to a billinquiry, payee name or coded identifier, or both, payee phone number,amount paid, status flag relating to a payment as pending/complete. Itwill be appreciated that a transaction is typically initiated at amobile device, but can also be initiated by the user 12 using the webapplication. The transaction is sent to the MFTS. The MFTS processes theinquiry or payment, creates a transaction record 715 corresponding tothe transaction in a transaction table 710 of the transaction database705, stores the record in the transactions table 710, creates a MFTSpayment instruction (MFTSPI) for a selected particular financialinstitution or payment source (PS), and transmits the MFTSPI to thatfinancial institution or PS. Upon completion of the payment by the PSand receipt of a payment confirmation message back from the PS, thecorresponding transaction record 715 in the table 710 is updated toindicate that the payment has completed, e.g. by changing a status flagfrom pending to complete. According to one embodiment of the presentinvention, the record for a completed transaction is moved to a log fileaccording its completion time for archive. Other information relating totransactions and their status may also be stored and is contemplated.

Mobile Device Application Flowcharts

The mobile device application flowcharts are shown in FIGS. 8-9according to embodiments of the present invention. In FIG. 3A, a mobiledevice communication interface 339 is used to facilitate thecommunication between the mobile device main program 335 and the mobiledevice radio hardware 343. The mobile device communication interface 339communicates with the MFTS mobile device communication interface 150 inthe MFTS 18 via wireless communications through the MCSP 110.

A flowchart of the MFTS mobile device communication interface 150 isshown in FIG. 8. It will be understood that this process 150 on the MFTSside communicates with similar processes in the mobile device, via themobile device communication interface 339 in a mobile device. In thisflowchart, the MFTS mobile device communication 150 interface firstestablishes communication link to the mobile communication serviceprovider (MCSP) the user subscribed in step 805. The mobile devicecommunication interface is set up between a mobile device and the MCSPand the interface receives data communication from both sides. Themobile device communication interface 150 comprises a continuous loopshown in step 810 to check if any new message is received from eitherthe MCSP or a mobile device. If no message is received, the loopcontinues until a new message is received. When the mobile devicecommunication interface 150 receives a message, it checks in step 815 todetermine where the message comes from by checking the sender/receiverinformation. If the message comes from a mobile device that isrequesting information from the MFTS server, the mobile deviceapplication proceeds to step 840 to add a task to processing queue andset a timer to wait for a response from the MFTS server through the MCSPin step 845. The mobile device communication interface waits until itreceives a response from the MFTS server or the timer times out,whichever comes first. If the mobile device communication interfacereceives a response within a predetermined timeout period, the messageis sent to the mobile device in step 850. Otherwise, if the MFTS mobiledevice communication interface 150 does not receive any response intime, then an error message is sent to the mobile device notifying theuser a failure occurred. Both step 850 and step 820 converge in step 825to extract a subset of information from the message or the responsereceived from the MCSP. The information extracted in step 825 is sent tothe user's mobile device for display in step 830. After the message isdisplayed, the mobile device communication interface goes back to waitfor next message in step 860 until the user turns off the mobile deviceand terminates the mobile device application.

Mobile Client Security Aspects

In order to use the MFTS 18, a user 12 with a suitable mobile device 15must register for service with an entity that operates an MFTS 18constructed in accordance with exemplary aspects of the invention. Thisregistration process necessarily involves the input and storage ofimportant personal and financial information about the user eithermanually or via external system. Safety and security of the personal andfinancial information mandates that the MFTS 18 provide securityguarantees and measures from MFTS administrators. According to anexemplary aspect of the invention, the disclosed MFTS 18 implementsstrong security measures on both ends of the mobile communication: (1)at the mobile client, and (2) at the MFTS server system itself. Inaccordance with exemplary aspects of the invention, one or more of thefollowing security measures are implemented in the MFTS 18 with respectto communications with mobile devices:

Secure Mobile Client Delivery: In accordance with one aspect of theinvention, the mobile application is delivered (e.g. by downloading)into a mobile device via a secure wireless delivery method. Inaccordance with this aspect, the mobile application is constructed as awirelessly-deliverable or downloadable application or “applet” that isdownloaded into a mobile phone from a central site, e.g. from the MFTS18. Those skilled in the art will understand that a number of differentbut generally equivalent programming environments currently exist todevelop applications for various types of mobile phones and wirelessdata communication technologies.

One known secure delivery methodology is the BREW™ wireless contentdelivery platform for CDMA communication technologies provided byQualcomm, Inc. Details of the application development and deliverymethodology for Qualcomm-compatible mobile devices are available fromthe manufacturer.

Another delivery method is via a JAVA™ Archive file, also called a JAR,the platform for which is available from Sun Microsystems, Inc. In thiscase, the mobile application is constructed as a downloadable JAVA™application that is downloaded into a JAVA-compatible mobile phone.Those skilled in the art will understand that the Java 2 Micro Edition(J2ME) programming environment may be used to develop applications forcertain types of mobile phones (e.g. Motorola). Such applications arealso called “applets” or “midlets”, but essentially are computerprograms that run within the specific operating environment of theparticular type of mobile phone. Details of the J2ME applicationdevelopment environment are available from the manufacturer.

Preferably, the JAR file used to distribute the mobile clientapplication is digitally signed with a code signing digital key issuedto the MFTS 18 by an authentication process, e.g. a digital key processprovided by VeriSign, Inc. This allows users to verify the authenticityof the mobile client application. Details of the mobile securitytechniques provided by VeriSign are available in the literature and website of VeriSign, Inc.

SSL communication to MFTS Server: Those skilled in the art willunderstand the significance of security for communications between usersand the MFTS 18 via either a mobile device or via the web interface.Accordingly, preferably all HTTP communications to the server in theMFTS 18 are via HTTPS, i.e. secured via the known Secure Sockets Layer(SSL) protocol. As will be known to those skilled in the art, SSL is aprotocol developed by Netscape Communications Corporation fortransmitting private documents via the Internet. SSL uses acryptographic system that uses two keys to encrypt data—a public keyknown to everyone and a private or secret key known only to therecipient of the message. Details of the SSL security protocol areavailable from the manufacturer.

Alternatively, a lesser level of security may be implemented forwireless communications by use of the known Wireless Transport LayerSecurity (WTLS). However, it will be understood that WTLS may not be assecure as the SSL protocol, because it uses weaker encryption algorithmsand several exploits have been identified for the protocol. In addition,data communicated with WTLS is decrypted at the WAP gateway andre-encrypted via SSL to the destination host, which provides anopportunity for compromising the WAP gateway to intercept sensitivetransmissions.

The MFTS mobile client application preferably makes a direct SSLconnection to the MFTS server and is not as susceptible to the securityissues plaguing WTLS and WAP applications. It will therefore beappreciated that if HTTPS is used for all communications between themobile client and the MFTS server, the underlying mobile datatransmission technology such as GPRS and CDMA between the mobile deviceand the MFTS should have no significant bearing on the security of thedata for transactions.

Digital Keys on Client: According to another exemplary aspect of theinvention, a unique digital key is issued to each client (mobile device)for use in digitally signing all communications to the MFTS server. Thisstrongly authenticates the mobile client to the server and dissuadesattempts to impersonate or spoof the mobile client. It will beappreciated that such a methodology affords stronger security thanonline banking sites that require only a username and password foraccess, which are much easier to compromise than digital keys. It isbelieved that use of the MFTS mobile client to access financial servicesis equally if not more secure than commonly used browser based onlinebanking systems that require only a password for authentication.

PIN Required to Unlock Client: According to another aspect of theinvention, further security for the mobile device 15 is provided byrequiring the user to enter a PIN to unlock the mobile client each timeit is launched. This prevents use of the application if the phone isstolen or “borrowed”. PIN lockout is also preferably implemented on themobile client so that the client will lock down after several failedlogin attempts and not permit further attempts until the client isunlocked by the user contacting support or logging into the MFTS system(e.g. via the web application) and invoking a procedure to unlock themobile client. This prevents efforts to use “brute force” to guess thePIN. It will be appreciated that the combination of a PIN and thedigital certificate creates a two-factor authentication mechanism foruse of the mobile wallet software 400 on a mobile device.

Mobile Client Deactivation in Event of Theft or Loss: If the user'smobile device is stolen or lost, the user can access the MFTS 18 via theweb application to deactivate the mobile client. This will preventfurther communication between the mobile client and the MFTS and deleteall demographic information from the mobile client about the user'smobile wallet.

Encryption of Data Placed in Local Storage: All data placed into localstorage on the mobile device 15 is preferably encrypted. This insuresthat if the mobile device is lost or stolen, the data stored in themobile client in local storage is unreadable. However, it will beappreciated that, because the mobile device does not store fullinformation regarding the user's accounts, banks, account numbers, etc.,but only stores a reduced set of information, represented by codes, therisk of compromise of the user's confidential information is reduced.For example, the mobile device only stores information indicating that auser has an account e.g. My Checking or xxxxxx2125), but the user'saccount number is stored in the MFTS 18, not in the mobile device. Thisaspect is believed to be a particular advantage of the architecture of amobile financial transaction system constructed in accordance with thepresent invention—providing and storing a reduced subset of informationin the mobile device, with more complete information stored in a secureserver, enhances the overall security for mobile transactions.

Verification of Phone Number Possession: In accordance with yet anotheraspect, further security is provided by verification that a paymentinstruction originates from a particular mobile number associated with auser. This security measure is implemented in the disclosed embodimentby providing the mobile number associated with the mobile device as apart of the mobile payment instruction (MPI) to the MFTS 18, preferablyencrypted together with other information of the MPI. The MFTS isresponsive to the MPI to parse out the mobile number and determine ifthe payment instruction has originated from a mobile number that isconsistent with both the account identified as a payment source (PS), aswell as the name of the payee as having already been entered and storedin the payee table in the user database.

According to yet another exemplary aspect of the invention, during anenrollment process, an SMS containing a predetermined verification codeis sent to the phone number entered when setting up the mobile client.This code must be entered by the user when online at the user site webapplication 153 to successfully initialize a mobile client foroperations. This prevents a person from registering a phone number theydo not have possession of with the intent of committing fraud.

One Time Password Used to Initialize Mobile Client: Still furthersecurity is provided by requiring entry of an initialization code orpassword the first time the mobile client is run to trigger thegeneration and installation of the client's digital certificate. Thisinitialization code is a one-time expiring one time password that ispresented to the user at the user site web application 153 during theinitialization process for the mobile client. This process establishes adifficult-to-forge link between a user account and an instance of themobile client on the user's mobile device.

Mobile Client Initialization: The following steps describes the bestmode currently contemplated for a process of user enrollment in a systemconstructed in accordance with exemplary aspects of the invention andinstalling the mobile client:

-   -   1. A user with an Internet-accessible computer (e.g. computer        140 in FIG. 2) navigates to the Internet-accessible user site        web application 153 in their browser and completes the        enrollment form displayed by the web application. (NOT SHOWN.)        The user provides the requested information by entering        information into appropriate fields in the data form displayed.        Alternatively, enrollment could be implemented by a third party        enrollment system with whom the MFTS system operator maintains a        relationship, e.g. an associated financial service provider.    -   2. When enrollment is complete, the user accesses a mobile        client management section of the user site web application 153        and adds a new mobile client. Alternatively, addition of a new        mobile client could be implemented by a process provided by a        third party with whom the MFTS system operator maintains        relationship, e.g. an associated financial service provider or        mobile communication service provider.    -   3. The user then enters the phone number of the mobile device on        which he/she wishes to install the mobile client and clicks an        initialize button.    -   4. Another step involves generation of a verification code to        activate the mobile client on the mobile device:        -   (a) In accordance with one exemplary aspect of the            invention, the MFTS 18 sends an SMS to the phone number            specified; this SMS contains a verification code. The user            is then prompted by the mobile application to enter the            verification code to activate the mobile client to conduct            transactions.        -   (b) In accordance with another aspect, the user views the            verification code in the SMS and enters the verification            code into a browser verification screen at the user site web            application 153. Presumably, the mobile phone with            verification code will be in the user's immediate possession            during enrollment. The user then clicks a “verify” button to            activate the mobile application.    -   5. Another step involves generation of an initialization code        and downloading of the mobile application into the mobile device        (for a new installation of the mobile device software):        -   (a) According to one exemplary aspect of the invention, a            user with Internet access to the user site web application            is next presented with an initialization code for the mobile            client. This initialization code is later entered into the            mobile device (see below) upon prompting, for activating the            mobile client.        -   (b) According to another exemplary aspect of the invention,            on the mobile device, the MFTS 18 sends the mobile device a            second SMS that contains a clickable link for downloading            the mobile client. The user then clicks the link and            downloads the application into the mobile device.    -   6. After the mobile client is finished downloading into the        device and activated by the user, it will present a screen        prompting for the initialization code. The user will then key in        the initialization code into the mobile client.    -   7. The initialization code is then communicated from the mobile        device 15 to the MFTS 18, to be used for device and mobile        client authentication. When a valid initialization code is        received by the MFTS 18, a unique digital key is placed onto the        mobile client.    -   8. Upon receipt of a digital certification from the MFTS 18, the        mobile client then prompts the user to enter and confirm a PIN.    -   9. After the PIN is received and stored, the mobile device is        ready for use, and displays a main menu screen that allows entry        of billing entities, payment sources, viewing of balances in        accounts that were previously entered by the user via the user        site web application 153, etc.

MFTS Server System Security Aspects

In accordance with exemplary aspects of the invention, various securitymeasures are implemented in the MFTS 18 by various software routinesappropriate for the various entities with which the MFTS communicates.One or more of the following security measures are implemented in thepreferred MFTS 18:

Web Applications Require SSL: Preferably, all externally accessible webapplications that run at the MFTS 18 (e.g. the web applications 154including User Site 153 and the Admin Site 157) only permit SSL securedconnections. If a user tries to initiate a plain HTTP connection to oneof the web applications, it will be redirected to an HTTPS connection.

Password Complexity Requirements: Passwords for web application loginspreferably must meet stringent complexity requirements. Passwordprotection can be implemented at various stages of the operation.

Account Lockout and Password Reset: Preferably, but optionally, accountswill be locked out after several failed login attempts to the user siteweb application 153. Users whose accounts have been locked out will haveto activate an Account Unlock function provided at the user site 153 andenter the correct reply to a password reset question they establishedduring enrollment to unlock the client and reset their password. If theuser is unable to remember the correct reply, they will have to contacta customer service facility (web site, representative, etc.) to havetheir account unlocked and password reset.

Security of FSP Interfaces: Interfaces to FSPs are preferably securedwith mechanisms appropriate to the nature of the interface and/or asrequired by the particular FSP. Any interface using the public Internetfor data transmissions is preferably secured via encryption andauthentication requirements that are acceptable in the financialservices industry. Details of security requirements for communicationswith particular FSPs should be obtained from the FSP.

From the foregoing, it will be understood and appreciated that variousmechanisms may be employed, singularly or in combination, to ensuresecurity in an equivalent manner as described above for communicationswith the MFTS 18, whether via mobile devices 15 or via the user site153. Other security measures and techniques may occur to those skilledin the art, while remaining within the scope of the invention.

MFTS Interface Software Routines

As described above in connection with FIG. 3B and FIG. 5, the MFTSsoftware 500 comprises various program modules including the mainprogram 350 (FIG. 5) and various communication interfaces for handlingcommunications and functions associated with the various entitiesinvolved in a system constructed in accordance with the disclosedaspects of the invention. Other software or program modules include anMFTS mobile device communication interface 150, a web applicationinterface 154, a financial service provider communication interface 156,and a bill presentment interface 155. Further software routines includea P2P service 375, an SMS generator 151, and a financial account service379.

Turn next to FIG. 8 for a description of the MFTS mobile devicecommunication interface software or routine 150 in accordance with anaspect of the invention. The MFTS mobile device interface software 150preferably runs as a continuous independent process on the MFTS servercomputer, asynchronous to other processes, and provides for handling ofcommunications and messages between the MFTS 18 and the mobile devicesof users. By use of the term “interface,” we mean a computer program orroutine 150 and associated hardware such as a communications componentor storage element that is driven by the program. The interface 150handles messaging between the various processes in the MFTS 18 andmobile devices, for example, when a user at a mobile device generates acommand to “View Bills” or “Pay Bills,” that command is received over awireless network and processed by the MFTS mobile device communicationinterface 150 as described herein, to cause the MFTS 18 to carry outfunctions in accordance with the invention.

Starting at step 805, the first step taken is for the interface toestablish communication with a mobile communication network, that is,with particular mobile communication service providers (MCSP), so thatcommunications between the MFTS 18 and mobile devices that subscribe forservice with particular networks may be established. Essentially, thisis an initialization process that involves determination of appropriateprotocols for communications with a specific MCSP and establishingcontact with an MCSP by exchanging messages in a manner corresponding tothe communication protocol. After establishing communications, theinterface tests at step 810 for receipt of a message either incomingfrom a mobile device or from another process within the MFTS 18, forexample, if a billing entity or bill presentment system providesinformation about a new bill for a particular user.

At step 815, the interface determines whether an incoming message is atask-initiating message (for example, from a mobile device in anaffiliated mobile network) or is a message from another MFTS process(for example, a response message from the FSP interface 156). If theincoming message is a task-initiating message, the interface processproceeds to step 840, where a new processing task is created and addedto a processing queue for the interface 150. For example, a processingtask derived from a mobile device incoming message may be a mobilepayment instruction (MPI), or a “View Bills” instruction, or a “BalanceTransfer,” or other of the various functions of the mobile wallet.Typically, a processing task will generate a new transaction record thatis stored in the transaction table in the user database 158. Thus, atstep 842, a new transaction record (if appropriate for the incomingmessage) is created and stored in the transaction database.

At step 845, the interface sets a timer (a predetermined time period)appropriate for the particular task and process, and initiates a timingloop. Control then passes to step 850, where the interface tests forexpiration of the predetermined time period. If the timer has expired,an error condition has occurred (the task added to the queue has notbeen properly processed in time), and at step 855 an error message isgenerated and sent to the user's mobile device that triggered the task.

If an appropriate response from the queued task is received within thepredetermined time, control from step 850 passes to step 860, where thetransaction record created in conjunction with the incoming message isupdated with any information that resulted from processing the queuedtask. For example, if the task involved making a payment using aparticular payment source to a particular payee, and the payment isaccepted and timely handled by the selected financial service provider,the transaction record is updated to indicate confirmation of thepayment.

After the transaction record is updated (if applicable), control passesto step 870, and a corresponding message relating to the task-initiatingmessage is sent out to the requesting user's mobile device or othertask-initiating process. For example, if a payment instruction wasreceived from a mobile user and that payment instruction was duly andtimely processed, a payment confirmation message is sent to the user'smobile device.

Returning to step 815 in FIG. 8, if the MFTS mobile device communicationinterface 150 determines that an incoming message is from another MFTSprocess (e.g. a response message or other non-task-initiating message),control passes to step 820, where the message is processed. For example,a message from another MFTS process could be a message provided by abilling presentment system that a new bill for payment has been receivedfor a particular user, or a message provided by a financial serviceprovider with information as to balances available in particularaccounts for a particular user. In accordance with aspects of theinvention, a message from various other processes and associatedentities may include information that is not required by the mobiledevice interface, i.e. only a reduced set of information is to beprovided to the mobile device. Specifically, a financial serviceprovider (FSP) 30 may provide information about a user's financialaccounts that is more comprehensive (i.e. “excessive”) than required fordisplay and handling on a mobile device, in that all of the informationfrom the FSP is not needed or desired for display on the mobile device.In such cases, a reduced set of information appropriate for display onthe mobile device, as shown in various exemplary mobile device displaysshown elsewhere in this document, is prepared for sending to the mobiledevice as a message. In such a case, at step 825 a subset of informationthat was received and/or stored in the MFTS is prepared for transmissionto a selected user's mobile device.

Control passes from step 825 to step 860, where any correspondingtransaction records associated with the message (if any) are updatedwith information from the message of the MFTS process. Then, at step870, an appropriate message to the mobile device corresponding toinformation in the message processed (step 810) is prepared fortransmission to the mobile device. The process 150 then loops back toprocess any other messages that may have arrived.

After step 870, the process 150 loops back to step 810 to processanother incoming message. From the foregoing, those skilled in the artwill understand and appreciate how the MFTS mobile device communicationinterface 150 is operative to process messages from either mobiledevices or from other MFTS processes, communicate relevant informationin the form of tasks for processing by other MFTS processes, update anycorresponding transaction or user database records, and/or communicateappropriate return messages to a user's mobile device or othermessage-delivering sources.

Turn next to FIG. 9 for a description of the financial service provider(FSP) interface software or routine 156 in accordance with an aspect ofthe invention. The financial service provider (FSP) interface 156preferably runs as a continuous independent process on the MFTS servercomputer, asynchronous to other processes, and provides for handling ofcommunications and messages between the MFTS 18 and the financialservice providers of users.

Although FIG. 9 shows exemplary steps of an interface for communicationsbetween the MFTS 18 and one or more FSPs 30, it should be understoodthat a similar methodology is employed for the bill presentmentinterface 155, the financial account service 379 (for third party userauthentication), the P2P service 375. All are similar continuous,independent asynchronous computer-implemented processes that receivemessages from either another MFTS process or from a third partyconnected for communications with the MFTS, process those messages bydetermining an appropriate destination (e.g. storage of data in the userdatabase 158 to update user information or to create or update atransaction record, communication to a mobile device, etc.), andforwarding processed information to such destinations. Accordingly, thediscussion of FIG. 9 will be understood as generally applicable to othercommunication interface processes, except as noted.

Starting at step 905, the first step taken is for the interface 156 toestablish communication with a financial service provider (FSP) 30 sothat communications between the MFTS 18 and the FSP may be established.Essentially, this is an initialization process that involvesdetermination of appropriate protocols for communications with aspecific FSP and establishing contact with an FSP by exchanging messagesin a manner corresponding to the communication protocol. Afterestablishing communications, the interface tests at step 910 for receiptof a message either incoming from a mobile device (via MFTS the mobiledevice communication interface 150) or from another process within theMFTS 18, for example, if a user has initiated a transaction via the webapplication interface 154.

At step 915, the interface determines whether an incoming message is atask-initiating message or is a return/response message from an FSP 30.A task-initiating message is a message that causes the interface toinitiate a communication to a particular FSP 30, for example from amobile device (MFTS mobile device communication interface 150) or fromanother MFTS process such as a web application initiated paymentinstruction. If the incoming message is a task-initiating message suchas from a mobile device, the interface process proceeds to step 940,where a new processing task is created and added to a processing queuefor the interface 156. For example, a processing task derived from amobile device incoming message may be a mobile payment instruction(MPI), or a “Pay Bill” instruction, or a “Balance Transfer,” or a “ViewPayment Sources,” or other of the various functions of the mobilewallet. For the FSP communication interface 156, a typical newprocessing task is in the form of a MFTS payment instruction (MFTSPI)that is communicated to a selected FSP 30, so as to instruct that FSP tomake a payment on behalf of a user, using a selected account as paymentsource (PS).

As mentioned in connection with FIG. 8, and in accordance with anexemplary aspect of the invention, a processing task derived from amobile device incoming message generates a new transaction record thatis stored in the transaction table in the user database 158. It will beunderstood that information from this transaction record is utilized inthe processing task for the queue in interface 156, for example, inassembling the information required for the MFTSPI to the selected FSP30. Further, it will be understood that the transaction record isupdated if necessary with information from the FSP upon receipt of aresponse.

At step 945, the interface sets a timer (a predetermined time period)appropriate for the particular task and process, and initiates a timingloop. Control then passes to step 950, where the interface tests forexpiration of the predetermined time period. If the timer has expired,an error condition has occurred (the task added to the queue has notbeen properly processed in time), and at step 955 an error message isgenerated and sent to the process that triggered the task.

If an appropriate response from the queued task is received within thepredetermined time (e.g. a response from the FSP containing informationabout the user's account balance, a payment confirmation, or otherinformation), control from step 950 passes to step 960, where thetransaction record created in conjunction with the incoming message isupdated with any information that resulted from processing the queuedtask. For example, if the task involved making a payment using aparticular payment source to a particular payee, and the payment isaccepted and timely handled by the selected financial service provider,the transaction record may be updated to indicate confirmation of thepayment. As discussed in connection with FIG. 8, the MFTS mobile devicecommunication interface 150 may be responsible for updating thecorresponding transaction record, but it will be appreciated that othercircumstances may require that the FSP communication interface update atransaction record. Other information associated with the task andreceived from the FSP may also result in updating other records in theuser database 158, e.g., the addition of a new account of a user with aselected FSP will require addition of a record in the user financialaccounts table 620 (FIG. 6), or a closed account status of a particularFSP with a user will require updating (or deletion) of a record in thefinancial service provider table 630 (FIG. 6).

After a transaction record or other user database table is updated (ifapplicable) at step 960, control passes to step 970, and a correspondingmessage relating to the response from the FSP is sent out to the processthat initiated the communication, e.g. to the requesting user's mobiledevice. For example, if a payment instruction was received from a mobileuser and that payment instruction was duly and timely processed by aselected FSP, a payment confirmation message is sent to the user'smobile device. In accordance with an exemplary aspect of the invention,messages of this type such as a confirmation message is in the form of amessage passed to the MFTS mobile device communication interface 150.

Returning to step 915 in FIG. 9, if the FSP communication interfacedetermines that an incoming message is from the FSP (as opposed to themobile device communication interface or other task-initiatinginterface), control passes to step 920, where the message is processedand any response information from the FSP is received. After step 920,control passes to step 970, where information corresponding to themessage from the FSP is forwarded to the intended destination, e.g. tothe mobile device communication interface or to a web applicationinterface that initiated a payment instruction.

After step 970, the process 156 loops back to step 910 to processanother incoming message. From the foregoing, those skilled in the artwill understand and appreciate how the FSP communication interface 156is operative to process messages from various MFTS processes (such asfrom the MFTS mobile device communication interface 150), communicaterelevant information to a selected FSP, receive a response message,update any corresponding transaction or user database records, and/orcommunicate appropriate return messages to a user's mobile device orother message-delivering source.

Turn next to FIG. 10 for a description of the web application interfacesoftware or routine 154 in accordance with an aspect of the invention.The web application interface 154 preferably runs as a continuousindependent process on the MFTS server computer, asynchronous to otherprocesses, and provides for handling of communications and messagesbetween the MFTS 18 and users who access the MFTS via the Internet 120using a web browser on a computer 140 (FIG. 2), as opposed to a mobiledevice. As will be understood by those skilled in the art, the webapplication interface serves as the main program loop for displaying anInternet-accessible web page (such as the User Site shown in FIG. 37)for user access to the MFTS 18 via the Internet to conduct transactions,view account history, add payees, add financial institutions andaccounts, etc. It will be recalled from FIG. 3B that, in accordance withexemplary aspects of the invention, the web application interface 154provides for several primary web-accessible functions includingenrollment of a new user, editing a mobile client, editing credit cardor banks accounts, adding a new payee or editing information about apayee, initializing a mobile client, unlocking a mobile client, andother operations.

Starting in FIG. 10 at step 1005, the first step taken by the webapplication interface software 154 is to initialize the interface sothat it is ready to communicate with users via the Internet. Thoseskilled in the art will understand that such initialization operationsentail initializing any associated hardware so that it can send andreceive TCP/IP packets that are conventional for Internetcommunications. Control then passes to step 1010 where the process loopsawaiting receipt of TCP/IP packet(s) from a web browser of a user orprospective user who navigates to the User Site. In response to receiptof packet(s), control passes to step 1015, where the packets arereceived and parsed to determine their contents.

After step 1015, control passes to inquiry step 1020, where in theinquiry is made whether the user sending the packets has beenauthenticated and established a communications session. If not, controlpasses to step 1025, where a login operation (i.e. user authenticationand session establishment) is carried out, in the manner that will beknown to those skilled in the art. If the user cannot be authenticated,other processes (not shown) are carried out to allow a new user toenroll or register, or the entity attempting to communicate with theMFTS is refused access (i.e. the packet(s) are ignored or dropped). Ifat step 1020 the user was previously authenticated in a prior operationand a session established, or after the login/authentication step 1025,control passes to step 1030 for display of appropriate informationcorresponding to the current status of the session.

At step 1030, the web application interface 154 provides return packetsto the user corresponding to display of a web page appropriate for thestate of the current session with the user. For example, if the user isinitially logging in for authentication, a conventional user loginscreen for entry of username and password (not shown) is provided. Asanother example, if the user is in the process of managing informationabout their mobile device, a User Site screen such as shown in FIG. 37Ais displayed. As another example, if the user is adding or editinginformation about a mobile device, a User Site screen such as is shownin FIG. 37B is displayed.

After the display step 1030, control passes to step 1040, where theinterface receives and processes any packet(s) that include informationinput by the user in response to the displayed web page. Afterward, atstep 1045, the interface stores any received information from the userand generates any message(s) that would be required for delivery toother processes or interfaces in the MFTS 18. For example, the user'sinput may require updates to certain tables in the user database 158, ormay require generation of a payment instruction or a “View Bills”command that requires a communication to a financial service provider30.

Control then passes to step 1050, where the interface determines if anymessages have been received from any process or interfaces in the MFTS.For example, if the user's input required generation of a paymentinstruction or a “View Bills” command that required a communication to aFSP, a return or response message will eventually be returned to the webapplication interface containing the requested information. If such amessage is received, control passes to step 1055, where the message isprocessed, which may include updating the web page with any informationin the received message. From step 1050 (if no message from anotherprocess has been received) or from step 1055 (after processing anymessage), control returns to step 1010 to await further user webapplication interaction, i.e. receipt of additional packets.

From the foregoing, those skilled in the art will understand andappreciate how the web application interface 154 is operative to processweb interactions from users via the Internet or from other MFTSprocesses.

As will be recalled from the discussion above, the web applicationinterface 154 provides for several web-accessible functions such asenrollment of a new user, editing a mobile client, editing credit cardor banks accounts, adding a new payee or editing information about apayee, initializing a mobile client, unlocking a mobile client, andother operations. One of these exemplary functions is the enrollment ofa new user, i.e. a person must be registered or enrolled to use theservice provided by the operator of the MFTS. According to an aspect ofthe invention, a new user can access the MFTS 18 via the Internet andprovide information to the system for enrollment for service.

Turn in this regard to FIG. 11 for a discussion of a web application1100 for enrolling a new user to use the MFTS 18 in accordance withexemplary aspects of the invention. The new user web application 1100 isexemplary of a process that is subsidiary to the general web applicationuser interface 154 of FIG. 10, in that the process of FIG. 11 utilizesthe web interface 154 for interactions with the user via the Internet,but the steps of FIG. 11 are specific to the process of enrolling a newuser. Specifically, it will be understood that a new user will not passthe authentication step in FIG. 10, and will typically be presented witha “new user” web page that includes controls that allow a user to inputpersonal information and configure an account.

Starting at step 1105 in FIG. 11, the MFTS generates an “enroll newuser” web page (not shown) that includes information needed by the newuser and provides for controls and data entry fields for entry ofinformation required by the MFTS to enroll a new user. At step 1110, thenew user enters information prompted on the “enroll new user” web page,for example, name, address, telephone number, email address, and otherinformation. The enrolling user must also enter certain informationabout billing entities (i.e. payees), financial institutions orfinancial service providers (FSP) 30 with whom the new user maintains arelationship and accounts, and information about specific accountsmaintained with such financial institutions or FSPs that can be selectedas a payment source. At step 1115, the system test for a user command toedit information about a billing entity or a payment source. If thecommand is associated with a billing entity, control branches to step1120, where the system tests for a command to enter a new billing entityor to edit information about an existing billing entity (for example, ifone or more billing entities have already been entered for thisenrolling new user at this point in the processing).

At step 1120, if a command has been received to enter information abouta new billing entity, control passes to step 1125 for receipt andstorage of information about new billing entity or payee. It will beunderstood that information about a billing entity is stored in thepayees table in the user database 158 (see FIG. 6). If no command isreceived to enter information about a new billing entity, control passesto step 1130 to test for a command to edit an existing billing entity.At step 1130, if a command has been received to edit information aboutan existing billing entity, control passes to step 1135 for receipt andstorage of edited information about the existing billing entity orpayee. Upon completion of any billing entity input or editing, controlpasses to step 1160 and either loops back to step 1115 or tests for userlogout.

Returning to step 1115, the system tests for a user command to editinformation about a billing entity or a payment source. If the commandis associated with a payment source such as a financial institution orfinancial service partner, control branches to step 1140, where thesystem tests for a command to enter a new payment source or to editinformation about an existing payment source (for example, if one ormore payment sources have already been entered for this enrolling newuser at this point in the processing).

At step 1140, if a command has been received to enter information abouta new payment source, control passes to step 1145 for receipt andstorage of information about new payment source. It will be understoodthat information about a payment source is stored in the user financialaccounts table and/or the financial service provider table in the userdatabase 158 (see FIG. 6). If no command is received to enterinformation about a new payment source, control passes to step 1150 totest for a command to edit an existing payment source. At step 1150, ifa command has been received to edit information about an existingpayment source, control passes to step 1155 for receipt and storage ofedited information about the existing payment source. Upon completion ofany payment source input or editing, control passes to step 1160 andeither loops back to step 1115 or tests for user logout.

Turn next to FIG. 12 for a discussion of a registered user webapplication 1200 that allows a registered or enrolled user to access anduse the MFTS 18 in accordance with exemplary aspects of the invention.The registered user web application 1200 is exemplary of a process thatis subsidiary to the general web application user interface 154 of FIG.10, in that the process of FIG. 12 utilizes the interface 154 forinteractions with the user via the Internet. However, the steps of FIG.12 are specific to the process whereby a registered user uses theInternet to add or edit information about billing entities or payees,and/or information about payment sources. Specifically, it will beunderstood that a registered user will log in and be authenticated atthe authentication step in FIG. 10, and will typically be presented witha registered user web page that includes controls that allow a user toinput and edit information about billing entities and payment sources.Thus, at step 1205, the registered user first logs in to the webapplication and provides his or her login and password information, andis presented with a “registered user” web page containing informationspecific to the billing entities and payment sources associated withthat registered user.

It will be appreciated from reviewing FIGS. 11 and 12 that the overallstructure of the processes 1100 and 1200 are similar. Accordingly, thoseskilled in the art will understand and appreciate that the remainingsteps in FIG. 12 are similar to those in FIG. 11 and need not bediscussed further herein.

Mobile Device Operation

FIG. 13 and the figures that follow accompany the following discussionof exemplary display screens generated on a mobile device 15 by a mobileclient application, in connection with viewing payment sources andaccount balances, in accordance with exemplary aspects of the invention.Before the presentation of exemplary sequences of screen views of amobile device 15, it should be noted that in the drawings which follow,a payer's view is represented by a rectangular screen view with fourrounded corners, while a payee's view is represented by a rectangularscreen view with four square corners. A payee's view is provided inconnection with certain payment sequences and methods in aspects of theinvention, for example certain types of “PayAnyone” payments involvesending a message to a user of a mobile phone (a second user, a userother than the user who is making the payment), display of a textmessage, and (if selected) downloading of the mobile application intothe second user's mobile device. Such payee views have the squaredcorners in the drawing figures.

It will be understood that different mobile devices typically havedifferent screen appearances, different screen sizes, different screenlayouts and fonts, etc. However, the main messages for display arepresented in the following drawings. The message texts, fonts, lines oftext display may vary depending on the mobile devices. Alternativeembodiments will become apparent to those skilled in the art. Viewing,selecting a payment source, and viewing the account balance of eachavailable account are basic functionalities of the MFTS mobileapplication.

It will also be understood from the following description that variousmethods for selecting a payee (e.g. select payee by name, select bymobile phone number, etc.) are contemplated in various aspects of theinventions, that various methods for communicating the fact of a paymentto a payee (e.g. by text message, by display of a message on apayee/user's mobile device, etc.) are contemplated in various aspects ofthe inventions, that various methods for effecting the payment (e.g.paper check, ACH transfer, stored value card, etc.) are contemplated invarious aspects of the inventions, and that various methods forselecting an applicable payment method (e.g. payer selects, payeeselects) are contemplated in various aspects of the inventions. Thoseskilled in the art will therefore understand and appreciate that theforegoing various aspects may be combined in various ways to provideflexibility and choice in payee identification and selection as well aspayment method selection, as will be described in connection with thevarious exemplary mobile device user screen views for variousembodiments and aspects of the inventions.

Mobile Device Operation Viewing Payment Sources and Account Balances

Referring now to FIG. 13, a series of user screen views 1300 of a mobiledevice as the user views the Payment Sources (PS) is presented accordingan exemplary aspect of the invention. Typically, a user is presentedwith a selection screen on their mobile device, for example screen 1302,allowing selection of an application for execution on the mobile device.As shown in the screen view 1302, “Mobile Wallet” is one of the optionsof applications. The user can use a stylus, multifunction button,trackwheel, or other navigation input device or control to highlight theselection, or use the numeric keypad to make the selection by numericentry. For example, the user can use arrow keys on the mobile device tonavigate and highlight the “Mobile Wallet” and press “Select” Key to goto the “Mobile Wallet” application. Alternatively, the user may pressthe numeric “1” key to go directly to the “Mobile Wallet” application.

It should be understood that a similar entry and selection mechanism, asdescribed for selecting an application, is used for selection of dataitems on the various mobile device display screens in the several viewsdiscussed. These details will not be repeated to avoid needlessrepetition.

In response to selection of the Mobile Wallet application in screen1302, a login screen 1304 is displayed. In this screen, the user isprompted to enter a predetermined number of digits as a PIN or pass-codeto enter the “Mobile Wallet” as a security measure. In alternativeembodiments, a login screen 1304 or equivalent functionality can beplaced at other locations of the screen or in other situations, as whena user turns on the mobile device, chooses applications, selects “MobileWallet”, views bills, pays bills, or other appropriate location and/orcircumstance. In the descriptions of other drawing figures of otherpayment scenarios, the application selection screen 1302 and loginscreen 1304 are omitted, but it will be understood that suchfunctionality can be provided if desired.

In response to entry of a valid login or PIN, screen 1306 is displayedon the mobile device. This screen 1306 preferably comprises a menu ofavailable options of the Mobile Wallet application according to anexemplary aspect of the invention. In this embodiment, the availableapplications include: (1) View Payment Sources, (2) View Bills, (3) PayBills, (4) “PayAnyone”, (5) Balance Transfer, and (6) Change PIN. Otherfunctions can also be provided for selection here for variousembodiments or implementations.

When the user highlights the “View Payment Sources” option and pressesthe “Select” button or enters “1”, a new screen view 1308 displaying oneor more registered payment sources available to the user is shown. Ascrolling bar (not shown) may be included on the screen if the screen isnot large enough to display all payment sources. The user activates anavigation tool to highlight a payment source and presses “Select” toselect a particular payment source. Selection of a particular paymentsource results in a display of information 1310 relating to the selectedpayment source, for example the balance(s) of various accounts of theuser. For example, screen 1310 shows a current balance, availablecredit, and available cash advance amount for the user, in connectionwith the financial service provider's logo to facilitate brandrecognition. Display of the financial institution's logo is optional;some model mobile devices may not have graphic capability and may onlydisplay the name of the payment source rather than the logo.

Screen 1310 also shows exemplary “Back” and “Next” keys or buttons onthe screen view that may be used to navigate the available paymentsources. When the “Next” key is pressed, other payment source views, forexample screens 1312, 1314, and 1316 are displayed in a sequence, untila “Select” key is pressed. In this example, the Discover Card isdisplayed as selectable payment source as shown in screen view 1312.Other selectable payment sources “Georgia Savings & Loans” and “Bank ofUSA” are displayed in screen views 1314, 1316 respectively. The accountbalances and other related information of these payment sources are alsodisplayed with these screen views.

According to an exemplary aspect of the invention, the balancesavailable to the user are retrieved from by the MFTS 18 during acommunication session between the MFTS 18 and the mobile device 15, sothat real time (when mobile device is within the range of wirelessservice) account balances are displayed to the user, the last knownbalance stored in the memory of the mobile device may be displayed. Itwill be appreciated that as the user is viewing the payment sources andtheir account balances in the various payment sources screens 1300, themobile device 15 is communicating with the MFTS 18 and receivingreal-time balance information from the corresponding financialinstitutions. According to another exemplary aspect of the invention, inthe event that wireless signal is not available to the mobile device, orMFTS 18 is unable to communicate with a particular financial serviceprovider/payment source 30, the last (most recent) balance information,will be pulled from the mobile device 15, as such information is cachedin local memory of the mobile device. In the event that the mobileclient retrieves the balance from offline storage, the date/time of thelast successful request to the server will be displayed.

Still referring to FIG. 13, in accordance with an exemplary aspect ofthe invention, the mobile client application is configured so that oneparticular payment source is automatically selected as a default paymentmethod, for use automatically and by default by the user unlessoverridden. Screen 1318 reflects selection of a particular paymentsource (e.g. Bank of USA) as a default payment source. Thus, when the“Select” key is pressed as shown in screen view 1316, the user electsthe specific payment source displayed on the screen as a default paymentmethod. In screen 1316 the default payment source selected is “Bank ofUSA”. Screen 1318 preferably provides a prompting message “Use asDefault Payment Source?” for confirmation by the user. Other paymentsources, such as different credit cards, are also available forselection as the default payment source. Preferably, the selecteddefault payment source will remain until it is changed by the user upona subsequent execution of the View Payment Sources screen 1308.According to a variation of this aspect, the system also includes codefor the mobile application and/or the User Site that allows a user tochange the default payment method on the fly.

According to an aspect of the invention, the user's selection andactivation of a View Payment Sources command on the Mobile Walletapplication causes the generation of a mobile payment instruction to theMFTS, which responds by requesting real time updated account balanceinformation from the payment sources available to the user and providessuch updated account balance(s) to the user's mobile device. It will beappreciated that such updated account balance information includes alltypes of payment sources including bank accounts, credit cards, creditunions, or any other financial account that can be accessed by a systemand with methods as described herein.

FIG. 14 is a sequence diagram illustrating a method 1400 for viewingpayment sources and account balances according to one exemplary aspectof the invention. In FIG. 14 and other sequence diagrams, it will beunderstood that the oblong objects across the top of drawing represententities that communicate electronically via the exchange of signals,messages, data packets, TCP/IP, etc.; that the rectangular boxes along aline extending vertically downwardly from a communicating entityrepresent steps taken by that entity; that lines with arrows extendingbetween rectangular boxes represent communications directed from oneentity to another entity; and that time proceeds in a direction from topto bottom of the drawing figure. This convention is utilized in allsequence diagrams illustrating embodiments and aspects of the invention,unless otherwise noted.

Several entities are illustrated in FIG. 14: a user's mobile device 15,the MFTS server 18, and various financial institutions (FI) with which auser 12 (not shown) has business relationships such as (FI-1) 30A and(FI-N) 30N. Usually, communications between the mobile device 15 and theMFTS 18 are provided by a wireless carrier network, not separately shownin the drawing. Communications between the MFTS 18 and a payee, or apayee's financial institutions, or any third party service providers,are typically provided by a telecommunication network, an Internetservice provider, a dedicated communication path, or any other availablesecure communication networks, although not separately shown in thedrawing.

Starting in FIG. 14 at step 1402, the user opens a “Mobile Wallet”application on the mobile device 15; he/she is preferably required tolog in by providing a password or PIN for verification as indicated atstep 1404. The password or PIN is entered by the user, is validatedlocally and the signed, encrypted messages are sent to the MFTS forauthentication via an authentication message (AM) 1406. At step 1408,the MFTS 18 validates the login and allows the Mobile Wallet applicationto execute, for example, by providing a communication or authenticationconfirmation message (ACM) 1410 back to the mobile device 15 thatincludes a signal or validation code that allows the Mobile Walletapplication to execute on the mobile device 15. If the user enters anincorrect password or PIN a predetermined number of times in a row,preferably he/she is denied service and the mobile device is locked. Inthis case the user is required to take steps (not shown) to access theUser Site 153 or contact a customer service representative to unlock themobile device.

If password or PIN is entered correctly, the authentication confirmationmessage 1410 from the MFTS 18 informs the mobile device 15 that thelogin is valid and launches the “Mobile Wallet” application on themobile device 15, as shown at step 1412. At step 1414, the user ispresented with a screen (e.g. FIG. 13) that allows viewing and selectionof payment sources and account balances.

Also at step 1412, the user can make a selection on screen 1306 (asshown in FIG. 13) to View Payment Sources. According to one exemplaryaspect of the invention, the MFTS 18 automatically retrieves accountbalances for various payment sources (and retrieves bills to be paid),upon login at step 1412. According to another exemplary aspect of theinvention, the MFTS retrieves such information in response to specificactivation of the corresponding function, e.g. selection of View PaymentSource (screen 1306 in FIG. 13) sends a message to the MFTS to causeretrieval of payment source information such as account balances, andselection of View Bills (also screen 1306) sends a message to causeretrieval of payments to make.

In an exemplary embodiment, the mobile device 15 communicates a requestto view payment sources and account balances to the MFTS 18, and theMFTS corresponding interacts with the available payment sources toretrieve their respective account information as shown at step 1418 bysending out requests 1420A or 1420B to their corresponding financialinstitutions 30A, or 30B. In accordance with a preferred embodiment ofcertain inventions, real-time information of all payment source accountsavailable to the user is collected and sent back to the MFTS as shown atsteps 1422 and 1424 through messages 1426 and 1428. Although only twofinancial institutions are shown in FIG. 14 for illustration purposes,it will be understood that the system is operative to communicate withsome or all available and registered financial institutions associatedwith the user.

At step 1430, the MFTS 18 collects and accumulates account balanceinformation from the various financial institutions associated with theuser, and sends one or more messages 1432 containing this information tothe mobile device 15. According to one aspect of certain inventions, acollection of account balance information is accumulated andcommunicated to the mobile device in a single communication. Accordingto another aspect, account balance information for a particularfinancial institution is communicated to the mobile device as quickly aspossible after it is received, as the various systems of financialinstitutions are independent and operate asynchronously with respect toother systems.

At step 1434, upon receipt of the account balances from financialinstitutions, information of all registered accounts is provided for theuser to view. He/she can then use the navigation controls to viewselected payment sources and account balances. The user can also performother functions such as selecting a default payment method as describedin connection with FIG. 13.

According to an exemplary aspect of the present invention, after theuser enters a valid password or PIN, the login is validated by the MFTSsystem 18. At this point, the MFTS can start to gather information forthe user prior to the selection of any Mobile Wallet options. In oneembodiment, the MFTS system 18 sends out balance requests to part or allof user's billing entities to retrieve up to the minute balanceinformation from these billing entities. In another embodiment, the MFTSsystem 18 sends out payment source information requests to part or allof user's financial service providers to retrieve up to the minute (realtime) balance information from these entities. These operations arecompleted before the user even starts to make any Mobile Walletselections. The information retrieved from the billing entities andfinancial service providers is stored (cached) in a temporary databaseor memory in the use's mobile device, and/or is cached in the MFTSsystem. The user is likely to make some selection of the mobile walletoperation after he/she logs into the mobile wallet. When he/she makesany selection of the mobile wallet operation such as view bills, viewpayment sources, etc., the user will receive updated information fromthe temporary database or cache in the MFTS system immediately.Therefore the MFTS provides a prompt response to the user withinformation received prior to the user's selection of the mobile walletoperation. It will be appreciated that an advantage of this approach isa quick response and virtually “real time” updating of account balanceinformation in a user's mobile device.

Viewing Bills

FIG. 15 is a series of user screen views 1500 of a mobile device as theuser views bills to pay according aspects of the invention. The user hasat least two ways to view his/her bills according to such aspects. Afirst method 1500 a start with user activation of the “Mobile Wallet”application and a second method 1500 b starts with receipt of an SMStext message from the MFTS 18.

The first method 1500 a starts at screen 1502. When the user uses the“Mobile Wallet” application to view the bills, he/she selects the“Mobile Wallet” option from the mobile device screen view 1502 and ispresented with a login screen view 1504. After the user logs in andprovides a valid password (or is otherwise authenticated to the mobiledevice 15), he/she is presented with a number of choices as shown inscreen 1506, e.g. View Payment Sources, View Bills, Pay Bills, etc,“PayAnyone”, Balance Transfer, Change PIN, etc. In accordance with thisexemplary aspect of the invention, the user selects the “View Bills”option or presses the numeric key “2”. In response to selection of theView Bills option by either method, the user is presented with a ViewBills screen 1512.

According to another aspect, a second method 1500 b involves receipt ofan SMS text message, instead of in response to user activation of themobile wallet application. Screen 1522 shows an exemplary text messagedisplay screen that includes a number of text messages that the user hasreceived, e.g. Power Bill Due, Get Milk & Juice, Gas Bill Due, PhoneBill Due, etc. In this example, several of the SMS messages in theuser's text message display screen relate to payment of bills, but notall messages are bill payment related. As is known, a user may receive anumber of different text messages relating to a number of differentsubjects. In accordance with certain aspects of the inventions, thereceipt of an SMS message relating to payment of a bill can prompt theuser to activate the Mobile Wallet application, or the reading of an SMSmessage relating to a bill due can activate the Mobile Walletapplication, or the receipt of an SMS message containing predeterminedcodes can automatically activate the Mobile Wallet application undercertain predetermined circumstances.

In accordance with one exemplary aspect of the invention, a billaggregator (e.g. an operator of a bill presentment system 190 as shownin FIG. 2) receives a number of bills to pay on behalf of a user, andpresents information regarding those bills to the user via a textmessage, so that the user is notified that a new bill has been receivedand can obtain more information about the bill, or can activate theMobile Wallet application to pay the bill. In accordance with thisexemplary aspect of the invention, when a new bill is received at theMFTS server from a bill presentment system, the user is notified by ashort text message. This short message is preferably brief and onlyinforms the user that a new bill has arrived. In one embodiment, themessage is limited to the name of the billing entity (e.g. powercompany, gas company, etc.), the total amount due, and the due date.Other information may be provided in the SMS message, if desired, but inaccordance with this exemplary aspect of the invention the informationis limited to the foregoing information so that the user may quickly andefficiently be notified of only the most important information.

In the example of FIG. 15, assume that the user has selected the messagePower Bill Due, as shown at screen 1524. When the “Read” key is pressed,in accordance with this exemplary aspect of the invention, a textmessage relating to a bill to pay (e.g. “XXX Bill Due”) is automaticallydetected by the mobile application as relating to a bill to pay andlaunches the Mobile Wallet application on the mobile device. In responseto launching of the Mobile Wallet application, the user is presentedwith a login screen 1526 to allow user to enter a password or PIN. Afterthe user logs in and provides a valid password (or is otherwiseauthenticated to the mobile device 15), he/she is presented with theView Bills screen 1512.

Either of methods 1500 a, 1500 b lead to the View Bills screen 1512. Dueto the limited size of the mobile device screen, it will be understoodthat content of the “View Bills” screen is not as detailed as paperversion of bills that users receive regularly. However, in accordancewith exemplary aspects of the invention, some or all of followinginformation are displayed in some embodiments of the invention: (1) thename of the billing entity; (2) the date when the bill was received; (3)the amount due, and (4) the due date. Other related information such asminimum payment amount, outstanding balance, billing cycle, last paymentamount and date etc. may also be displayed depending on the size of themobile device screen. An optional scrolling bar may be added for alarger display.

Display screens 1512, 1514, 1516 illustrate a succession of differentbills that user sees when using the navigation controls (e.g. the Nextbutton), to cause display of bills that can be paid in accordance withexemplary aspects of the invention. When the user presses the “Next” keyas shown in mobile device screen view 1512, the next bill is shown inthe next mobile device screen view 1514. The user may use the “Back” and“Next” keys to view each individual bill until the “Select to Pay” keyis pressed as shown in mobile device screen view 1516.

FIG. 16 is a sequence diagram illustrating a method 1600 for viewingbills according to an exemplary aspect of the invention. The method orprocess 1600 involves communications or messages between a mobile device15, the MFTS 18, and at least one billing entity. In accordance with acurrently contemplated best mode, a bill presentment system 190 receivesbills from a number of different billing entities on behalf a user, andprovides information to the MFTS 18 relating to a plurality of billsfrom a plurality of billing entities. FIG. 16 therefore illustrates thismode or embodiment, but it will be understood and appreciated that theMFTS 18 may communicate separately and independently with billingentities, without requiring that all bills or payments to make beprovided by a bill presentment system 190.

In one preferred embodiment, the user views bills by openinghis/her/mobile device's mobile wallet option as shown in step 1612. Inaccordance with an alternate exemplary aspect of the inventions, abilling entity provides information to a bill presentment system 190, asshown at step 1602. The bill presentment system 190 communicates amessage 1606 to the MFTS 18 as shown at step 1604. At step 1608, theMFTS 18 sends a short text message (SMS) 1610 containing selectedabbreviated information to the user through the SMS generator 151 (FIG.2) and wireless network service provider 110. As discussed earlier, theuser opens the Mobile Wallet or reads the text message when it isconvenient to him/her as shown at step 1612. He/she is prompted to loginand the password or PIN is validated step 1614. In response tovalidation by the mobile application of the user via login of passwordor through other authentication means, the mobile application sends anauthentication message (AM) 1616 to the MFTS 18. At step 1618, the MFTS18 validates the login from the authentication message 1616 andcommunicates an authentication confirmation message (ACM) 1620 back tothe mobile device 15 that allows the Mobile Wallet application toexecute. At step 1622, the mobile device opens the Mobile Walletapplication, which allows the user to view more detailed informationabout a bill to pay or payment to make. At step 1624 the user selectsthe “View Bills” option (a shown and described in connection with FIG.15). At step 1626, the user selects one bill to view. In response toselection of a bill to view, the mobile device 15 communicates a requestmessage 1628 to the MFTS 18 to request information relating to theselected bill.

At step 1630, the MFTS 18 receives the request for information relatingto the selected bill and generates a message 1632 to the billpresentment system 190. At step 1634, the bill presentment systemretrieves information relating to the selected bill (or optionally, forone or more bills associated with the particular user) and retrievesdetailed billing information. Preferably, therefore, all billsassociated with the user are forwarded to the MFTS via a message 1636.At step 1638, the MFTS 18 receives the detailed billing information fromthe bill presentment system 190 and stores the detailed billinginformation in the MFTS database in a table of detailed billinginformation (see FIG. 6). The MFTS 18 then prepares a message 1639 withselected reduced information appropriate for the mobile device (i.e. asubset of detailed billing information) and forwards the messagecontaining a subset of the detail billing information to the user'smobile device 15. At step 1640, the user views his/her due bills, viascreens as shown in FIG. 15.

Although FIG. 16 shows a sequence of steps for obtaining billinformation from a bill presentment system, it will be understood thatthe steps are similar for obtaining information from a billing entityindependently. From the foregoing, it will be appreciated that an aspectof the present invention involves a method for obtaining selectedreduced information relating to payments to make (bills to pay) and thisinformation is obtained from one or more billing entities, eitherindependently or from a bill presentment system 190.

Paying Bills

FIG. 17 is a series of user screen views 1700 of a mobile device thatrelate to a user paying his/her bill(s). As in other aspects of theinvention described elsewhere, a user is preferably required to activatethe Mobile Wallet application on their mobile device and beauthenticated (i.e. log in) for use of the application on thatparticular mobile device. Thus, screen 1702 shows a number of selectableapplications such a Mobile Wallet, Download Music, Games, etc., andscreen 704 shows a login screen that is generated upon initial executionof the Mobile Wallet application upon selection in screen 1702. Afterthe user logs into the “Mobile Wallet” application as shown as screens1702, 1704, a Mobile Wallet screen 1706 is displayed. In accordance withexemplary aspects of the invention, the Mobile Wallet screen includes anumber of selectable options that provide for various functions relatingto mobile financial transaction viewing, monitoring, and payment. Forexample, screen 1706 shows options for View Payment Sources, View Bills,Pay Bills, “PayAnyone”, Balance Transfer, and Change PIN. In accordancewith the aspect of paying bills, the Pay Bills option is shownhighlighted (selected), indicating that the user has elected to activatethe Pay Bills function of the mobile application. The user can activatethis function by selecting Pay Bills from the menu on screen 1706 or maypress the “3” key on the keypad. In response, the Mobile Walletapplication presents a display screen Pay Bills as shown at 1708.

In accordance with exemplary aspects of the invention, the Pay Billsscreen 1708 provides a list of selectable pending bills. In oneembodiment, the list can be arranged so that the latest bill is listedat the top and oldest bill is listed at the bottom, as shown in screenview 1708. Other arrangements such as the oldest bills are listed firstcan also be implemented. According to one exemplary aspect of theinvention, and as shown in screen 1708, when the “Pay Bills” function isselected, the oldest bill is automatically highlighted for the user topay first, e.g. “Phone Bill Due Nov. 17, 2005 $34.45”. In this as inother exemplary aspects of the invention, a user navigates the list byusing up and down navigation controls and selects the one that he/shewishes to pay by pressing the “Select” Key when an appropriate bill ishighlighted.

In response to selection of a particular bill, information about theselected bill is displayed to the user, as shown in screen 1710. Inaccordance with exemplary aspects of the invention, selected informationrelating to the selected bill is displayed, for example the name of thebilling entity, the date the bill was received, the amount of the bill,optionally a minimum payment, and the due date, as shown in screen view1710. Optionally, but not shown in screen 1710, the overall balance dueon an account may be shown. The exemplary screen 1710 also preferablyincludes a Pay, Back, and a Next button as navigation controls thatpermit viewing other bills in a sequential list of bills. As will beappreciated, the Pay button or control is used to pay the bill currentlyon display.

According to exemplary aspects of the invention, when the “Pay” key ispressed, the Mobile Wallet application provides a screen view 1712 thatallows the user to select the amount to pay. In a preferred embodiment,the user is offered following options: (1) to pay the minimum amountdue; (2) to pay the full amount due; or (3) to pay a user specifiedamount. The first two options are self-explanatory and lead to properpayment based on the information on the record. The third optionprovides the user with flexibility to specify a desired amount. If thethird option is selected, the Mobile Wallet application provides ascreen view (not shown) that allows entry of a desired amount to pay.The exemplary screen 1712 also preferably includes a Pay, Back, and aNext button as navigation controls that permit viewing other bills in asequential list of bills, or proceeding with payment of the selectedbill. As will be appreciated, the Pay button or control is used to paythe amount currently selected.

Continuing with screen 1712, when the user has decided the amount to payand the “Pay” key is pressed, a screen view 1714 is displayed that showsa default payment source (Bank of USA, in this case) and its relatedinformation. In the exemplary screen 1714, the default payment sourceBank of USA has three selectable accounts, e.g. a Savings Balance, aChecking Balance, and Other (e.g. a money market account or perhaps aborrowing account). According to an exemplary aspect, a particulardefault account is shown highlighted (e.g. the Checking Balance), toindicate to the user that the Checking Account for this payment sourceis the default payment source that will be utilized unless overridden bythe user by other means.

According to an exemplary aspect of the invention, the screen 1714further includes text prompting the user to confirm the currentlydisplayed default payment source, e.g. the text reads “Pay with defaultpayment source?” If the user presses the “Select” key in screen view1714, indicating confirmation that the current bill is to be paid withthe default payment source, then the Mobile Wallet application generatesa screen view 1716 that includes information confirming the payment andupdating the payment source information. At this point, the user caneither press the “Done” button to complete the mobile paymenttransaction or press “Next” to make other payments. In accordance withexemplary aspects of the invention, the amount of the current payment($34.45 in the example shown) is subtracted from the balance shown onthe default payment source (the Checking Balance), so that the user'spayment source information is instantaneously updated to reflect thepayment (i.e. the Checking Balance is reduced by $34.45, as shownbetween screens 1714 and 1716. This occurs in exemplary embodiments eventhough the amount of the bill has not yet actually been debited from theuser's bank account.

FIG. 18A is a sequence diagram illustrating a method 1800 for paying abill according to a preferred embodiment of the present invention. Themethod or process 1800 involves communications or messages between amobile device 15, the MFTS 18, at least one billing entity (e.g. a billpresentment system 190 or a separate billing entity), and a selectedfinancial institution 30 that serves as a selected payment source (PS).In this example, the user's default financial institution (FI) 30A isdescribed as the selected payment source.

It is assumed in FIG. 18A that the user has previously viewed paymentsources and account balances, and has selected a particular bill to bepaid. Thus, the initial step of the process 1800 is step 1802, where theuser has received information about all bills to pay and is ready toselect a particular bill to pay, e.g. via screen 1708 in FIG. 17. Whenthe user is ready to pay a bill, at step 1804 he/she selects aparticular bill to pay. As shown in the exemplary screen views 1712 and1714, the user selects a payment source and decides/enters an amount topay in the step 1806. In response to entry of an amount to pay, a mobilepayment instruction (MPI) message 1808 is communicated from the mobiledevice 15 to the MFTS 18 that includes the desired amount and identifiesthe financial institution selected for making the payment. At step 1810,the MFTS 18 receives the MPI message, and prepares an MFTS paymentinstruction (MFTSPI) message 1812 to the selected financial institution30A. The MFTSPI message 1812 is preferably an inquiry message to thefinancial institution to verify whether the selected payment source hassufficient funds for making the payment, and/or an instruction to makethe payment if sufficient funds are available.

Further at step 1814, the MFTSPI message 1812 is communicated to thefinancial institution 30A, and received at step 1814. If sufficientfunds are not available to cover the payment, the FI 30A generates andcommunicates a reply message 1816′ (not shown) to the MFTS 18 to advisethat funds are not available and in turn, the MFTS sends anacknowledgement message (not shown) to the user that the requestedpayment failed. Otherwise, the FI prepares a funds available message(FAM) 1816 indicating that sufficient funds are available and transmitsthis message to the MFTS. At step 1818, the MFTS 18 receives the fundsavailable message and prepares a corresponding funds available message1820 to the mobile device 15 that permits the Mobile Wallet applicationto proceed with generating a payment instruction message. This fundsavailable message is received at the mobile device at step 1822, wherethe Mobile Wallet application proceeds with processing the payment. Step1822 includes actions such as generating a payment confirmation displayfor the user, e.g. screen 1714 (FIG. 17), which requests that the userconfirm “Pay with default Payment Source?” It will be of courseappreciated that the user could decline payment with the default paymentsource and use the navigation controls to select a different paymentsource, in which case further and correspondingly appropriate messagesfrom the Mobile Wallet application are generated and returned to theMFTS 18.

In response to the user confirmation of the payment source, e.g. viaconfirmation of the default payment source, the Mobile Walletapplication generates and transmits a message 1824 indicatingconfirmation of the payment to the MFTS 18. The payment confirmationmessage from the mobile device 15 is received at the MFTS 18 at step1826. At step 1826 the MFTS 18 receives the confirmed paymentinstruction from the mobile device 15 and constructs a payment sourcepayment instruction message 1828. According to an exemplary aspect ofthe invention, as shown in FIG. 18A, a payment source paymentinstruction message 1828 is communicated to the bill presentment system190. In the event of utilization of a bill presentment system 190, atstep 1830 the system 190 receives the payment source payment instruction1828, generates a corresponding payment instruction message 1832 to thefinancial institution 30A, and processes the payment internally, e.g. byclearing the bill due from the user's queue of unpaid bills.

At step 1834 the financial institution 30A receives the payment sourcepayment instruction, from a bill presentment system 190 and respondsaccordingly. As will be appreciated, the financial institution takessteps internally to withdraw funds or enter a debit on behalf of theuser from the selected account, and generate an appropriate paymentinstrument to the billing entity. The generation of an appropriate andselected payment instruction, for example a paper check, an ACH fundstransfer, a stored value card, etc. is described elsewhere herein.

Upon completion of appropriate steps to generate and transmit a paymentto the billing entity at step 1834, a payment confirmation message 1836is generated by the financial institution 30A and transmitted to theBill Presentment System 190. At step 1831, the Bill Presentment System190 receives the payment confirmation message, clears the bill onrecord, generates a mobile payment confirmation message 1837, andcommunicates this message 1837 to the MFTS 18 as shown in step 1838. TheMFTS 18 receives the confirmation message 1837 and forwards anotherconfirmation message 1840 to the mobile device 15. At step 1842, themobile device 15 receives the mobile payment confirmation message 1840and displays payment confirmed information, e.g. display screen 1716 inFIG. 17.

Referring now to FIG. 18B, an alternate embodiment of the presentinvention is shown. Here the steps/messages 1802 through step 1826 andthe step/message after 1838 are the same or similar to thesteps/messages shown in FIG. 18A. At step 1826 the MFTS 18 receives theconfirmed payment instruction from the mobile device 15 and constructs apayment source payment instruction message 1828′. A payment sourcepayment instruction message 1828′ is communicated to the billpresentment system 190. In the event of utilization of a billpresentment system 190, at step 1830′ the system 190 receives thepayment source payment instruction 1828′, generates a correspondingpayment instruction message 1832′ to the financial institution 30A, andprocesses the payment internally, e.g. by clearing the bill due from theuser's queue of unpaid bills.

At step 1834′ the financial institution 30A receives the payment sourcepayment instruction, from a bill presentment system 190 and respondsaccordingly. Upon completion of appropriate steps to generate andtransmit a payment to the billing entity at step 1834′, a paymentconfirmation message 1836′ is generated by the financial institution 30Aand transmitted to the MFTS 18.

From the foregoing, it will be appreciated that variations on theabove-described process will occur to those skilled in the art.

PayAnyone Payment Method

FIG. 19 and FIG. 20 illustrate exemplary display screens on a mobiledevice 15 of a user/payer and a second user/payee, respectively, inconnection with a “PayAnyone” payment process. A “PayAnyone” paymentprocess is a payment method for paying an entity other than a user'spreregistered regular billing entities or service providers. Examplesinclude making payments at point of sale, with the identity of the payeedetermined at the time of making the payment; making a payment to anindividual that possesses a mobile device capable of running the MobileWallet application (but perhaps not yet downloaded and operational);making a payment to an individual or other entity that does not possessa mobile device but requests a certain form of payment such as a papercheck, electronic funds transfer, stored value card, etc. Numerousvariations on the “PayAnyone” payment method will occur uponconsideration of the following display screens and process steps.

It will thus be appreciated that certain options of the “PayAnyone”payment method contemplate payment to an entity that has registered withthe MFTS 18, and other options contemplate payment to an entity that wasnot previously registered. The “PayAnyone” payment method allows usersto send other registered or non-registered people payments as analternative to cash. The method also contemplates making paymentsanywhere—at point of sale, locally, across country, and across nationalborders (of course within the confines of applicable currencyregulations) without physically handling of cash or checks. The methodalso contemplates receipt of a payment by the recipient and relativelyfast (virtually instant) availability of the funds.

Key issues in a “PayAnyone” payment method include (1) identification ofa payee and (2) the manner and/or form of making the payment. Accordingto one exemplary aspect of the invention, a user is given a choice ofeither selecting a payee from a list provided by the MFTS through themobile device, or selecting/entering a payee by entering/selecting amobile phone number associated with a payee. Similarly, and according toan exemplary aspect of the invention, there are several different waysfor the payee to receive payments. For example, the user/payer canselect a payment method from following payment methods: (1) “RecipientDefined”, (2) “Bank Draft” (or ACH electronic transfer), (3) “PaperCheck” and (4) “Stored Value Card”. The “Recipient Defined” methodallows the payee to choose one of the three remaining methods, i.e.“Bank Draft”, “Paper Check” and “Stored Value Card”.

It is to be noted that the payee selection and payment method selectionare entirely independent. The following descriptions of preferredembodiments of a “PayAnyone” illustrate that various payee selectionsand payment method selections are contemplated as exemplary aspect ofthe inventions. For example, in FIG. 19 and FIG. 26, a payee is chosenby selecting a name from a list, while in FIG. 23 and FIG. 29, a payeeis chosen by entering a payee's mobile phone number. In FIG. 19 throughFIG. 31, all four different payment methods are discussed. Anycombinations of payee selection and payment method selection arepossible in light of the following teaching. The description of theexemplary embodiments of the invention has been presented only for thepurpose of illustration and description and is not intended to beexhaustive or to limit the invention to the precise forms disclosed.

PayAnyone with Recipient Defined Payment Method: FIG. 19 shows asequence of payer's mobile device screen views 1900 as a user uses“PayAnyone” option, selects a name from a list, and uses a “RecipientDefined” payment method according to an exemplary aspect of theinvention. Screens 1902, 1904, 1906 are exemplary screens for displayingselectable applications, login, and selection of Mobile Walletapplications that have been described elsewhere herein and will not berepeated. It will, however, be seen in screen 1906 that one of theselectable options is a “PayAnyone” option, shown highlighted andtherefore selected. In response to selection of the “PayAnyone” optionin screen 1906, in accordance with one exemplary aspect of the inventionthe user is presented with a short menu shown in screen view 1908 toallows selection of a payee by name or by mobile phone. In accordancetherewith, the user can either select a payee's name from a list orselect/enter a payee's mobile phone number.

In this example, assume that the user selects the “Paying by Name”option from the menu. In response to selection of this option, a screenis displayed on the mobile device comprising a list of pre-enteredpayees, e.g. screen 1910, with names Jane Bennett, John Doe, RobertJohnson, Carol Jones, etc. As shown in screen 1910, the payee name JohnDoe is shown highlighted and therefore selected for action. Informationrelating to the names on the list in the screen 1910 may be storedlocally in the mobile device and/or in the MFTS 18 user database.

Although not discussed in connection with FIG. 19, it will be understoodthat that the user may select the “Paying by Mobile Phone” option inscreen 1908 and enter a mobile phone number for a different form ofpayment, as discussed elsewhere herein.

As in other mobile device screen displays described herein, a scroll barnavigation control on the right of the display screen indicates that thename list is larger than the mobile device can display and allowsscrolling down the list. Likewise, the user can activate the “Back” or“Next” keys or navigation control to navigate the name list and a payeeis selected on the list by using a “Select” key.

Continuing with the example, in response to selection of a particularpayee in screen 1910 (e.g. John Doe), a screen 1912 is presented thatallows the user to enter an amount to pay. In the example, the user hasentered $123.45. The user then presses the “Next” button, which resultsin a display screen 1914 that requests confirmation of the defaultpayment source. At this point, the user can also use the “Back” key tomake further changes or press the “Cancel” key to abandon the payment.

In response to user entry of an amount to pay, the Mobile Walletapplication presents the exemplary screen view 1914, that, as inprevious examples, permits the user to select an account from severalavailable accounts of the default payment source. As in a previousexample, the Bank of USA account is shown as a default payment source,and the checking account is shown selected/highlighted as the defaultaccount for use. After the selection of a particular account, the userpresses the “Select” key to continue the process for making a payment.

In response to selection of an account in screen 1914, and according toone exemplary aspect of the invention, the user is presented with adisplay screen 1916 that allows selection of one of a plurality ofdifferent payment instruments or methods for making the payment to thepayee. In this example, four choices are provided: (1) RecipientDefined, (2) ACH (e.g. bank draft), (3) Paper Check and (4) Stored ValueCard. The user can use the “Back” and “Next” keys to navigate the menuand use the “Select” key to make selection of a particular paymentmethod or instrument. In this example, the “Recipient Defined” paymentmethod is chosen, i.e. the recipient can select the method of receivingpayment when information relating to the payment is received by thepayee. The selection by the payee of the payment instrument is describedin connection with other figures, e.g. see FIG. 20. As will be seen inFIG. 20, the payee is given the choice of selecting from ACH, PaperCheck, or Stored Value Card; such steps and displays for therecipient/payee are discussed in connection with FIG. 20.

Continuing with FIG. 19, in response to user selection of the paymentmethod or instrument, the Mobile Wallet application generates a displayscreen 1918 that allows user confirmation of the payment. According toone exemplary aspect of the invention, the screen view 1918 displays aconfirmation of the payment and the remaining balance of the paymentsource used in this transaction, for example, the Checking Balance ofthe default payment source is debited by the amount of the payment$123.45 from that shown in screen 1914. At this point, the user maypress the “Done” button to finish the “PayAnyone” application, or the“Next” button to initiate another transaction.

Turn next to FIG. 20 for a discussion of the payee's view of therecipient defined payment method. It should be understood that thedisplay screens shown in FIG. 20 assume that the payee/payment recipientpossesses a mobile device that is capable of running the Mobile Walletapplication, is configured for operation with a system and methods asdescribed herein, and is a registered use of the MFTS 18. In the eventthat the payee/recipient is not so configured and registered, he or shemay receive a text message (SMS) indicating that the payer wishes tomake a payment, and providing instructions to the payee/recipient as tohow to download and execute the Mobile Wallet application on his or hermobile device, or take other action to receive the payments. Discussionof such operations and features for a non-registered payee/recipient isprovided elsewhere herein.

Generally, and according to one exemplary aspect of the invention, onthe payee side, an SMS text message is received by the payee from theMFTS SMS generator 151 (FIG. 2). If the payee has the Mobile Walletapplication installed on his/her mobile device, he/she can directlyinvoke the application while reading the SMS text message to receive thepayment. Accordingly, FIG. 20 shows a sequence 2000 of user/payee'smobile device screen views in response to receipt of messages andcommunications generated by a user/payer that has invoked a “PayAnyone”option, selects a name from a list, and uses a “Recipient Defined”payment method.

Display screen 2002 is an exemplary mobile device display that a payeesees in response to receipt of a message from the MFTS 18, e.g. an SMSmessage or a message in a format especially adapted for communicationsbetween the MFTS 18 and the Mobile Wallet application. As shown inscreen 2002, information is displayed to the payee indicating that aperson with an identified mobile number (e.g. 404-404-4040) is sendingthe payee/recipient a payment in the amount of $123.45, and promptingthe payee/recipient to select a payment receipt method from a list ofseveral different payment receipt methods. According to an exemplaryaspect of the invention, the message from the MFTS 18 either (a)automatically launches the Mobile Wallet application or (b) prompts thepayee/recipient to activate the Mobile Wallet application. In eithercase, the payee is notified that someone (either with a name or a phonenumber) has sent a payment and the amount of the payment. The payee isrequested/prompted to select a payment method from a list of possiblepayment delivery methods: ACH, Paper Check or Stored Value Card. Thepayee then makes the selection according to the instruction as shown inscreen view 2002.

ACH: In response to selection by the payee of the ACH method, accordingto one exemplary aspect of the invention, the Mobile Wallet applicationprovides a display screen 2010 to effect this method. In accordance withthis aspect, the payee is shown a default ACH account with a defaultbank routing number and account number as shown in screen view 2010. Thescreen preferably includes controls for Confirm, Change Account, andCancel. The Confirm control effectively confirms the displayed defaultpayment receipt method. If the payee confirms the default paymentreceipt method, another screen view 2012 is displayed that informs thepayee the ACH transfer is completed. On the other hand, the payee hasthe ability to change to another ACH account by selecting the ChangeAccount control, which displays a separate display screen (not shown)for entering a new bank routing number and account number. The MobileWallet application then preferably displays another screen similar tothat at 2010 upon entry of an alternative bank routing number andaccount number, followed by a confirmation such as screen view 2012after the transaction is completed and confirmed.

Paper Check: In response to selection by the payee of the paper checkpayment receipt method from screen 2002, according to one exemplaryaspect of the invention, the Mobile Wallet application provides adisplay screen 2020 to effect this method. In accordance with thisaspect, the screen view 2020 displays a default mailing address to whicha paper check should be mailed. The exemplary screen also includesselectable controls for Confirm, Change Address, and Cancel. The screeneffectively prompts the payee to confirm the displayed default mailingaddress which is stored in the MFTS 18. If the payee confirms thedefault mailing address by pressing “Confirm” control, an exemplaryscreen view 2022 is displayed to inform the payee that a paper checkwill be mailed to the default mailing address. On the other hand, thepayee has the ability to change to another mailing address by entering anew mailing address by selecting the Change Address control, whichdisplays a separate display screen (not shown) for entering a differentmailing address. The Mobile Wallet application then preferably displaysanother screen similar to that at 2020 upon entry of an alternativemailing address, followed by a confirmation such as screen view 2022after the transaction is completed and confirmed.

Stored Value Card: In response to selection by the payee of the StoredValue Card payment receipt method from screen 2002, according to oneexemplary aspect of the invention, the Mobile Wallet applicationprovides a display screen 2030 to effect this method. In accordance withthis aspect, the screen view 2030 displays a default stored value cardaccount into which the funds would be deposited. The exemplary screenalso includes selectable controls for Confirm, Change Account, andCancel. The screen effectively prompts the payee to confirm thedisplayed stored value card account which is stored in the MFTS 18. Ifthe payee confirms the default stored value card account by pressing“Confirm” control, an exemplary screen view 2032 is displayed to informthe payee that the indicated amount will be deposited in the defaultstored value card account. On the other hand, the payee has the abilityto change to another stored value card account by entering a new accountby selecting the Change Account control, which displays a separatedisplay screen (not shown) for entering a different stored value cardaccount number. The Mobile Wallet application then preferably displaysanother screen similar to that at 2030 upon entry of an alternativestored value card account, followed by a confirmation such as screenview 2032 after the transaction is completed and confirmed.

According to one exemplary alternative aspect of the invention, thepayee/recipient is not required to have the Mobile Wallet applicationinstalled on their mobile device, especially for the paper check andstored value options. In accordance with this aspect of the invention,one or more text messages (SMS) containing information essentially asshown in FIG. 20 can be generated by the MFTS 18 and communicated to amobile device possessed by a payee/recipient, with instructions to thepayee/recipient to return a text message (SMS) containing informationindicated, e.g. to confirm a default mailing address for a paper checkor stored value account, or provide an alternative mailing address orstored value account. It will thus be appreciated that aspects of theinvention can readily be constructed using SMS messaging techniques, forpayees with mobile devices that do not have the Mobile Walletapplication installed or where the payee has not elected to use and runthe Mobile Wallet application.

FIG. 21 is a sequence diagram illustrating a method 2100 for a“PayAnyone” payment method according to an exemplary aspect of theinvention. The method or process 2100 involves communications ormessages between a mobile device 15 and the MFTS 18, and allowsselection by the user of a particular form of payment for making apayment to a person identified during interactions with the system. Thisprocess is in contrast to the previously described method for making apayment to a pre-identified billing entity.

Starting at step 2102, the user activates the Mobile Wallet applicationand logs in or otherwise provides authentication information at step2104. An authentication message (AM) 2106 is generated and communicatedto the MFTS 18, which at step 2108 authenticates the user. Uponauthentication of the user by the MFTS at step 2108, an authenticationconfirmation message (ACM) 2110 is returned by the MFTS 18 to the mobiledevice 15, which permits the Mobile Wallet application to execute on themobile device, as shown at step 2112. According to one exemplary aspectof the invention, at step 2112 the MFTS 18 also retrieves a predefinedpayee list associated with the user from the user database and sendsthis user's payee list back to the mobile device, where it is displayedto the user (see exemplary screen in FIG. 19).

After the Mobile Wallet application is opened at step 2112, assume thatthe user selects the “PayAnyone” option in step 2114. He/she thenselects a name from the predetermined payee list or enters a mobilephone number to choose a payee as shown in step 2116, and enters theamount in dollars and cents to pay in step 2118. At step 2120, the userselects one of the available payment methods, e.g. Recipient Defined,ACH, Paper Check, or Stored Value Card, as shown in FIG. 19. In thisexample, assume that the user has selected to pay with the RecipientDefined payment method. Information corresponding to the selectedpayment method is provided in a mobile payment instruction (MPI) message2122 and forwarded to the MFTS 18 for further processing by the MFTS 18and other related parties as shown in step 2124.

FIG. 22 is a sequence diagram illustrating a recipient defined“PayAnyone” method 2200 according to an exemplary aspect of theinvention. The method or process 2200 involves communications ormessages between a user/payer's mobile device 15 (not shown here), theMFTS 18, a payee's mobile device 2202, a user/payee's financialinstitution 30A, a payee's financial institution 2260, the payee 2270,and stored value card issuing company 2280. In this example, assume thatin FIG. 21 the user has selected the Recipient Defined payment method atstep 2120 and this decision has been communicated to the MFTS 18.According to one exemplary aspect of the invention, the MFTS sends thepayee a text message (SMS) 2206 such as the one shown in screen view2002 of FIG. 20, as indicated at step 2204. This message 2206 informsthe payee that a payment of a certain amount is pending and that thepayee should make a selection from a list of selected payment methods asshown in step 2208. The payee then preferably uses his/her mobile device2202 to make a selection from three payment methods offered in step2210. Such a selection may be made by return text message, or by use ofthe Mobile Wallet application if installed on the payee's mobile device.In any case, a mobile payment instruction (MPI) message 2212 includinginformation relating to a selected payment method is returned to theMFTS 18, e.g. a message 2212A for selecting the ACH payment method, amessage 2212B for selecting a paper check, or a message 2206C forselecting a stored value card payment method.

ACH payment method: If the payee chooses an ACH payment method, apayment method selection message 2212A including the payee's ACH accountinformation and payment amount are forwarded to the MFTS 18 through thewireless carrier networks as shown in step 2214. A corresponding request2220A is then sent to the user/payer's financial institution 30A (thepayment source) for payment to a specified bank account of the payeefrom an account specified by the user, as indicated at step 2222. Oncethe user/payer's financial institution 30A verifies that the user hassufficient funds to cover the payment, the payer's financial institutionsends an ACH draft to the specified account of payee's financialinstitution 2260 as indicated at step 2226.

Paper Check payment method: if the payee chooses a paper check paymentmethod, a payment method selection message 2212B including the payee'smailing address information and payment amount are forwarded to the MFTS18 through the wireless carrier networks as shown in step 2216. Acorresponding request 2220B is then sent to the user/payer's financialinstitution 30A for generation of a paper check drawn on the specifiedaccount of the user/payer and mailing of that check to the payee, asindicated at step 2222. Once the user/payer's financial institution 30Averifies that the user has sufficient funds to cover the payment, thepayer's financial institution mails a check 2224B to the payee, thereceipt of which by the payee is indicated at step 2228.

Stored value payment method: if the payee chooses a stored value cardpayment method, a payment method selection message 2212C including thepayee's stored value card account information and payment amount areforwarded to the MFTS 18 through the wireless carrier networks as shownin step 2218. A corresponding request 2220C is then sent to theuser/payer's financial institution 30A for crediting the payee'sidentified stored value card account, drawn on the specified account ofthe user/payer, as indicated at step 2222. Once the user/payer'sfinancial institution 30A verifies that the user has sufficient funds tocover the payment, the payer's financial institution credits theidentified stored value card account (through 2224C) in the designatedamount, the receipt of which by the payee is indicated at step 2230. Itshould be understood that step 2230, indicating receipt of loaded storedvalue card, reflects both (a) the crediting of a preexisting storedvalue card account associated with the payee, or (b) the issuance of anew loaded stored value card to the payee, for example by providing thepayee with information indicating a location at which an unloaded storedvalue card may be obtained and also providing information such as avalidation code that would permit the payee to present the unloaded cardto a terminal or representative so as to “load” the card with thepayment amount. Such details of loading and delivering stored valuecards to individuals are known to those skilled in the art and do notform a separate part of the invention.

It will be understood that, for a payment, these three methods can beused independently or combined so the payee may have the flexibility ofallocating a portion of the payment with ACH, and the remaining portionof the payment to paper check and/or stored value card.

Pay Anyone by Phone Number

FIG. 23 shows a sequence of payer's mobile device screen views 2300 fora “PayAnyone by phone number” payment method according to an exemplaryaspect of the invention. In this particular method, the payer/userselects/enters a mobile device phone number to identify a payee.Specifically illustrated is an “ACH” payment method according to anexemplary aspect of the invention. It will be understood that the payercan alternatively select a paper check or stored value card paymentmethod, and that the particular payment method described is merelyexemplary.

As in previously described embodiments and aspects, the user firstselects the Mobile Wallet application in screen 2302, providesauthentication information (e.g. a login) via screen 2304, and isauthenticated by the MFTS before being presented with options for makinga payment at screen 2306. Assume that in screen 2306 the user selectsthe “PayAnyone” option. In response to this selection the user isprovided with a short menu of options as shown in screen view 2308 toselect a payee, either by name or by mobile phone number. According tothis exemplary aspect of the invention, in response to selection of theoption “Paying by Mobile Phone” by either entry of the numeral “2” oractivating the Select control, the user is presented with a screen 2310for entry of the payee/recipient's mobile phone number.

According to this exemplary aspect of the invention, an exemplarypayee's phone number 404-555-2121 is entered as shown in the screen view2310. The screen 2310 further includes controls for Next, Back, andCancel, which operate in the manner as previously described to continuethe process, return to a previous screen, or cancel the transaction. Inresponse to the user's activation of the Next control after entry of thepayee's phone number, the user is presented with a payment amount dataentry screen 2312 for entry of the amount to pay. The user then entersthe amount to pay. In this example, the user has entered $123.45. As inother exemplary screens, the amount entry screen 2312 includes a Next,Back, and Cancel control. In response to the user's activation of theNext control, the user is presented with a screen 2314 that displays thedefault payment source (e.g. Bank of USA), available balances in thedefault accounts of the default payment source, and prompts the user toconfirm the selected default. As in previous examples, the user canactivate the “Select” control to select the default account and paymentsource, or navigate to an alternative payment source.

After selection and/or confirmation of the payment source via screen2314, the user is presented with a screen 2316 that allows selection ofa payment method. The user uses the “Back” and “Next” keys to navigatethe menu and uses the “Select” control to make a selection. In thisexample, the “ACH” payment method is shown highlighted and thereforechosen. In response to activation of the Select control in screen 2316,the user is presented with a screen 2318 that displays a confirmation ofthe payment, the selected payment method, and the remaining/updatedbalance of the payment source used in this transaction. At this point,the user may activate the “Done” control to finish the “PayAnyone”application or the “Next” control to initiate another transaction.

FIG. 24 shows a sequence of mobile device screen views 2400 from apayee's perspective, via a payee's mobile device, for a “PayAnyone”option where a user selects/enters a mobile device phone number and usesan “ACH” payment method according to an exemplary aspect of theinvention. As in other embodiments and aspects, the information shownmay be presented to the payee either by a sequence of text messages(SMS) or by displays generated by the Mobile Wallet application ifloaded and activated on the payee's mobile device.

As shown in screen 2402, an SMS text message is received from the SMSgenerator 151, or similar information generated by the Mobile Walletapplication running on the payee's mobile device. In accordance withthis message, the payee is notified that someone with a phone number404-404-4040 has sent a payment in the amount of $123.45 for deliveryvia an ACH funds transfer. According to one exemplary aspect of theinvention, the message to the payee includes a default payment receiptmethod, for example, deposit to a predetermined bank (as identified bybank routing number) and account. If generated by the Mobile Walletapplication, the screen 2402 preferably includes a “Confirm” control, a“Change Account” control, and a “Cancel” control. By activating the“Confirm” control the payee/recipient can confirm that the displayed ACHbank routing number and account number stored in the MFTS database iscorrect for the payment. On the other hand, the payee has the ability tochange to another ACH account by entering a new account number and bankrouting number by activating the “Change Account” control. As in otherexamples, if the payee activates the “Change Account” control in screenview 2402, a separate screen (not shown) is displayed at which the payeeis allowed to enter another ACH bank routing number and account number.

If the payee confirms the payment delivery method by activating the“Confirm” control in screen 2402, a screen view 2404 is shown thatprompts the payee to confirm the deposit to the identified ACH account.The screen 2404 also preferably includes a “Done” control, a “ChangeAccount” control, and a “Cancel” control. The “Change Account” controlworks in the manner described elsewhere. Activating the “Done” controlcauses display of a screen 2406 that prompts the user to set thecurrently selected bank account as a default ACH account for the payee.If the payee activates the “Yes” control in screen 2406, then thedefault ACH account information is sent back to the MFTS 18 for storagein association with other information relating to this particular payee.Otherwise, the default ACH account is not changed.

Upon confirmation of the bank account as a default ACH account byactivation of the “Yes” control or by activation of the “No” control toleave the identified account intact, a screen 2408 is displayed thatprompts the payee/recipient to confirm the deposit of the payment to thecurrently selected account. A “Yes” and a “No” control are provided toconfirm or reject the deposit to the account. If the answer is “Yes”,the payee's answer is sent to the MFTS 18 for further processing of thetransaction. In response to processing of the transaction by making theACH payment, according to one exemplary aspect of the invention thepayee receives a confirmation message or display 2410 indicating thatthe received payment will be deposited into the ACH account the payeespecified previously. At this point, the payee may activate a “Done”control to finish receiving payment or a “Next” control process anothertransaction, if applicable.

FIG. 25 is a sequence diagram of a “PayAnyone” with ACH payment methodor process 2500 according to an exemplary aspect of the invention,showing the interactions among a payer/user's mobile device 15, apayee's mobile device 2521, the MFTS 18, a third party payment provider2560, and a payee's financial institution 2580. The third party paymentprovider 2560, as in previous aspects, is a payment instructionrecipient that effects a payment to the payee, in this case bytransferring funds to the payee's financial institution 2580.

As in previous methods described elsewhere, steps 2502, 2504 involveauthentication of the user/payer to the MFTS 18 through message 2506,authentication by the MFTS 18 in step 2508, and sending anauthentication confirmation message 2510 and user's payee list to theuser's mobile device 15. In response to authentication, the user opensthe Mobile Wallet application in 2502 and enters the password or PIN in2504, the MFTS authenticates the login and sends user's current payeelist (2510) to the user's Mobile Wallet of his/her mobile device in step2508. This action allows the user to proceed with use of the MobileWallet application at step 2512. The user then selects “PayAnyone” instep 2514 and selects a payee name from the payee list received duringthe login, or enters a phone number to specify a payee in step 2516. Theuser then enters a payment amount with the mobile device in step 2518and selects the ACH payment method in step 2520.

In response to the foregoing steps, a mobile payment instruction (MPI)message 2522 is generated by the Mobile Wallet application andcommunicated to the MFTS 18. The MPI 2522 will typically include thepayment amount, payment method (in this case an ACH payment), and payeeinformation including the payee's phone number. At step 2524, the MFTS18 examines the payment instruction and generates a message 2526 to thepayee's mobile device 2521 to request the payee to specify or confirmthe ACH method for the payment. This message 2526 is sent to the payee'smobile device and received at step 2528. According to an exemplaryaspect of the invention, the payee can receive the message 2526 via oneor more text messages or by a communication that activates anappropriate routine of the Mobile Wallet application (not separatelyshown). At step 2528 the payee selects an account into which the fundsshould be deposited. A return payment account selection message 2530 isgenerated (e.g. a return text message or communication from the MobileWallet on the payee's device) that indicates the account into which thepayee wishes to deposit the payment. This return payment accountselection message 2530 is transmitted back to the MFTS 18 and receivedat step 2532.

At step 2532, the MFTS 18 receives the payment account selection message2530 and determines the identity of a third party payment provider (i.e.a payment instruction recipient) that generates the ACH paymenttransaction. An MFTS payment instruction (MFTSPI) 2534 is generated andcommunicated to third party payment provider 2560. This MFTSPI 2534 isreceived at step 2536. At step 1562, the third party payment providergenerates an ACH funds transfer (2538) and communicates thiselectronically in the known ACH funds transfer manner to the payee'sfinancial institution 2580. Receipt of this ACH funds transfer at thepayee's financial institution is shown at step 2540. A paymentconfirmation message (not shown) is preferably generated either by thepayee's financial institution 2580, or the third party payment provider2560, and provided back to the MFTS 18 so that the data recordsassociated with this payment can be updated and any appropriate paymentconfirmation messages provided to the payee's mobile device and/or thepayer's mobile device.

Pay Anyone by Name (Paper Check)

FIG. 26 shows a sequence of payer's mobile device screen views 2600 fora “PayAnyone by name” payment method according to an exemplary aspect ofthe invention. In this particular method, the payer/user selects/entersa name to identify the payee. Specifically illustrated is a “papercheck” payment method according to an exemplary aspect of the invention.It will be understood that the payer can alternatively select an ACHpayment method (as described above) or stored value card payment method,and that the particular payment method described is merely exemplary.

As in previously described embodiments and aspects, the user firstselects the Mobile Wallet application in screen 2602, providesauthentication information (e.g. a login) via screen 2604, and isauthenticated by the MFTS before being presented with options for makinga payment at screen 2606. Assume that in screen 2606 the user selectsthe “PayAnyone” option. In response to this selection the user isprovided with a short menu of options as shown in screen view 2608 toselect a payee, either by name or by mobile phone number. According tothis exemplary aspect of the invention, in response to selection of theoption “Paying by Name” by either entry of the numeral “1” or activatingthe Select control, the user is presented with a screen 2610 comprisinga list of selectable pre-entered payees.

According to this exemplary aspect of the invention, an exemplarypayee's name “John Doe” is shown highlighted in screen 2610 andtherefore selected. The screen 2610 further includes controls forSelect, Up, and Down, which operate select a particular name or navigatethe list of pre-entered names. In response to the user's activation ofthe Select control after a particular payee's name, the user ispresented with a payment amount data entry screen 2612 for entry of theamount to pay. The user then enters the amount to pay. In this example,the user has entered $123.45. As in other exemplary screens, the amountentry screen 2612 includes a Next, Back, and Cancel control. In responseto the user's activation of the Next control, the user is presented witha screen 2614 that displays the default payment source (e.g. Bank ofUSA), available balances in the default accounts of the default paymentsource, and prompts the user to confirm the selected default. As inprevious examples, the user can activate the “Select” control to selectthe default account and payment source, or navigate to an alternativepayment source.

After selection and/or confirmation of the payment source via screen2614, the user is presented with a screen 2616 that allows selection ofa payment method. The user uses the “Back” and “Next” keys to navigatethe menu and uses “Select” control or a numeric key to make a selection.In this example, the “Paper Check” payment method is shown highlightedand therefore chosen. In response to activation of the Select control inscreen 2616, the user is presented with a screen 2618 that requests aconfirmation of the payment and the selected payment method, e.g. “Senda paper check to Mr. John Doe's default address?” At this point, theuser may select a “Yes,” “No,” or “Cancel” control. In response toselection of the “Yes” control is screen 2618, the user is presentedwith a screen 2620 that requests confirmation of the transaction andincludes information about the transaction including the name andmailing address of the payee. The screen 2618 includes a “Pay,” “ChangeAddress,” and “Next” control that operate to confirm the payment, orchange the payee's address.

In response to selection of the Pay control, indicating confirmation ofthe payment, screen 2622 is displayed. Screen 2622 displays confirmationinformation that a payment in the indicated amount of $123.45 will bemade to John Doe by paper check, together with updated account balanceinformation reflecting deduction of the payment amount from the accountbalance as reflected in the MFTS 18 records. At this point, the user mayactivate the “Done” control to finish the “PayAnyone” application or the“Next” control to initiate another transaction.

FIG. 27 shows a sequence of mobile device screen views 2700 from apayee's perspective, via a payee's mobile device, for a “PayAnyone”payment method, where a user, selects/enters payee's name and uses apaper check payment method according to an exemplary aspect of theinvention. As in other embodiments and aspects, the information shownmay be presented to the payee either by a sequence of text messages(SMS) or by displays generated by the Mobile Wallet application ifloaded and activated on the payee's mobile device.

As shown in screen 2702, an SMS text message is received from the SMSgenerator 151, or similar information generated by the Mobile Walletapplication running on the payee's mobile device. In accordance withthis message, the payee is notified that someone with a phone number404-404-4040 has sent a payment in the amount of $123.45, via a papercheck mailed to an indicated address. According to one exemplary aspectof the invention, the message to the payee includes a default paymentaddress for mailing of the check. If generated by the Mobile Walletapplication, the screen 2702 preferably includes a “Confirm” control, a“Change Address” control, and a “Cancel” control. By activating the“Confirm” control the payee/recipient can confirm that the displayedname and address for as stored in the MFTS database is correct formailing the check. On the other hand, the payee has the ability tochange the mailing address by activating the “Change Address” control.As in other examples, if the payee activates the “Change Address”control in screen view 2702, a separate screen (not shown) is displayedat which the payee is allowed to enter an alternative address.

If the payee confirms the payment delivery method by activating the“Confirm” control in screen 2702, a screen view 2704 is shown thatprompts the payee to confirm the mailing address. The screen 2704 alsopreferably includes a “Done” control, a “Change Address” control, and a“Cancel” control. The “Change Address” control works in the mannerdescribed elsewhere. Activating the “Done” control causes display of ascreen 2706 that prompts the user to set the currently displayed addressas a default mailing address for the payee. If the payee activates the“Yes” control in screen 2706, then the default address information issent back to the MFTS 18 for storage in association with otherinformation relating to this particular payee. Otherwise, the defaultaddress is not changed.

Upon confirmation of the mailing address by activation of the “Yes”control in screen 2706 or by activation of the “No” control to leave theidentified address intact, a screen 2708 is displayed that prompts thepayee/recipient to confirm the mailing of a check to the currentlydisplayed address. A “Yes” and a “No” control are provided to confirm orreject the mailing to the indicated address. If the answer is “Yes”, thepayee's answer is sent to the MFTS 18 for further processing of thetransaction. In response to processing of the transaction in preparationfor mailing the check, according to one exemplary aspect of theinvention the payee receives a confirmation message or display 2710indicating that the paper check payment will be mailed to the addressthe payee specified previously. At this point, the payee may activate a“Done” control to finish with this function or a “Next” control processanother transaction, if applicable.

FIG. 28 is a sequence diagram of a “PayAnyone” by paper check paymentmethod or process 2800 according to an exemplary aspect of theinvention, showing the interactions among a payee's mobile device 2801,the MFTS 18, a third party address provider 2840, a third party paymentprovider 2860, and a payee 2880. According to an exemplary aspect of theinvention, the mailing address of the payee is located by: (1)retrieving a default address information associated with the payeestored in the MFTS database, (2) entered by the user (the payer), or (3)entered by the payee, or (4) through a third party address provider. Ifthe address information is not available at the time the user requestedpaper check payment, the MFTS sends a request to the third party addressprovider to perform address lookup.

As in previous methods described elsewhere, this method 2800 involvessteps (not shown) for authentication of the user/payee to the MFTS 18,authentication by the MFTS 18, and sending an authenticationconfirmation message and user's payee list to the user's mobile device15. In response to authentication, the user opens the Mobile Walletapplication and enters the password or PIN, the MFTS authenticates thelogin and sends user's current payee list to the user's Mobile Wallet ofhis/her mobile device. This action allows the user to proceed with useof the Mobile Wallet application. The user then selects “PayAnyone” andselects a payee name from the payee list received during the login orenters a payee name. The user then enters a payment amount with themobile device in and selects the paper check payment method. Similarsteps have been described in detail elsewhere and need not be repeatedhere.

In response to the foregoing steps, a mobile payment instruction (MPI)message (not shown) is generated by the user's Mobile Wallet applicationand communicated to the MFTS 18. The MPI will typically include thepayment amount, payment method (in this case a paper check payment), andpayee information. The MPI is received at the MFTS 18 and processed toinitiate the paper check payment method according to this aspect of theinvention.

Starting at step 2804, the MFTS 18 examines the payment instruction andgenerates a message 2806 to a third party address provider to obtain theaddress of the payee. According to one exemplary aspect of theinvention, payee address information is stored in a table in the userdatabase 158 (FIG. 2) indexed by mobile phone number, by name, or byother information. Alternatively, the message 2806 is communicated to anindependent address provider 2840 that provides address information inresponse to provision of a phone number.

At step 2810, the requested address information is provided from thethird party address provider 2840 via a message 2810. The message 2810is received by the MFTS 18 at step 2812 and formulated into a message2814 including the payee's address information that is communicated tothe payee's mobile device 2802. A display such as that shown at screen2702 in FIG. 27 is generated to the payee, as indicated by 2802. It willbe understood that the payee may receive an SMS message with thisinformation or the Mobile Wallet application running on the payee'smobile device may provide this information to the payee.

At step 2818, the payee confirms the address presented, via screens asshown in FIG. 27. A confirmation message 2820 is generated and returnedto the MFTS 18. At step 2822, the MFTS formulates an MFTS paymentinstruction (MFTSPI) message 2824 and communicates this message to athird party payment provider 2860. The third party payment providerreceives the message at step 2826, and processes the MFTSPI message 2828to generate a paper check that is mailed to the payee at the addressindicated in the messages. At step 2830, the payee 2880 receives thepaper check payment via mail.

Pay Anyone—Stored Value Card

FIG. 29 shows a sequence of payer's mobile device screen views 2900 fora “PayAnyone by phone number” payment method according to an exemplaryaspect of the invention. In this particular method, the payer/userselects/enters a mobile device phone number to identify a payee,although it will be understood that other ways to identify a payee arecontemplated. Specifically illustrated is a payment method involving useof a stored value (SV) card according to an exemplary aspect of theinvention. It will be understood that the payer can alternatively selectan ACH or paper check payment method, and that the particular paymentmethod described is merely exemplary of payment using a stored valuecard.

Those skilled in the art will understand and appreciate that payment bya stored value (SV) card involves payment transaction infrastructurethat does not form a part of the present invention, but is conventionaland in widespread use. Specifically, a payment instruction is providedby a system constructed as described herein to a payment instructionrecipient that has facilities for issuing a new stored value card oradding value to a pre-existing stored value card. It will be appreciatedthat various entities may serve the function of the payment instructionrecipient regarding issue of a stored value card, including a financialservice provider or a billing aggregator (either separately or inconjunction with another entity that handles SV card), a stored valuecard issuer, or a retail establishment that handles stored value cards.

Generally, making a payment to a stored value card typically involvesacquisition by a payee of a “blank” or “unloaded” magnetic stripe orelectronic smart card from a vendor of SV cards, followed by “loading”of the card with value (i.e. payment credits that can be drawn upon) bypresenting the card to a vendor of the SV card having a terminal thatcan read information from the magnetic stripe or other electronic datastorage medium on the card. The vendor then loads the card by providinginformation to a back office system indicating the amount of credit orpayments available for use on the card, and returning the card to thecardholder. The cardholder can then use the card in a manner similar toother payment cards (debit cards, credit cards), except that the cardmust be presented to an entity that can read the card and determine theavailable funds “loaded” to the card by accessing the card vendor'selectronic payment system. According to one exemplary aspect of theinvention, funds can be loaded onto a conventional stored value cardfrom a mobile device (a new stored value card that is issued to a payee,or loading or reloading a pre-existing stored value card), in the mannershown and described herein.

As in previously described embodiments and aspects, the user firstselects the Mobile Wallet application in screen 2902, providesauthentication information (e.g. a login) via screen 2904, and isauthenticated by the MFTS before being presented with options for makinga payment at screen 2906. Assume that in screen 2906 the user selectsthe “PayAnyone” option. In response to this selection the user isprovided with a short menu of options as shown in screen view 2908 toselect a payee, either by name or by mobile phone number. According tothis exemplary aspect of the invention, in response to selection of theoption “Paying by Mobile Phone” by either entry of the numeral “2” oractivating the Select control, the user is presented with a screen 2910for entry of the payee/recipient's mobile phone number.

According to this exemplary aspect of the invention, an exemplarypayee's phone number 404-555-2121 is entered as shown in the screen view2910. The screen 2910 further includes controls for Next, Back, andCancel, which operate in the manner as previously described to continuethe process, return to a previous screen, or cancel the transaction. Inresponse to the user's activation of the Next control after entry of thepayee's phone number, the user is presented with a payment amount dataentry screen 2912 for entry of the amount to pay. The user then entersthe amount to pay. In this example, the user has entered $123.45. As inother exemplary screens, the amount entry screen 2912 includes a Next,Back, and Cancel control. In response to the user's activation of theNext control, the user is presented with a screen 2914 that displays thedefault payment source (e.g. Bank of USA), available balances in thedefault accounts of the default payment source, and prompts the user toconfirm the selected default. As in previous examples, the user canactivate the “Select” control to select the default account and paymentsource, or navigate to an alternative payment source.

After selection and/or confirmation of the payment source via screen2914, the user is presented with a screen 2916 that allows selection ofa payment method. The user uses the “Back” and “Next” keys to navigatethe menu and uses “Select” to make a selection. In this example, theStored Value Card payment method is shown highlighted and thereforechosen. In response to activation of the Select control in screen 2916,the user is presented with a screen 2918 that displays a confirmation ofthe payment and the selected payment method. According to an aspect ofthe invention, the exemplary screen 2918 displays a stored value cardnumber for a pre-existing card of the payee (pre-stored), and providesbuttons for Pay, New Card, and Cancel. Selection of the Pay buttonresults in making payment via the pre-existing stored value card, whileselection of the New Card button results in issuance of a new storedvalue card. It will of course be understood that a stored value cardnumber of a pre-existing card of a payee is pre-stored in theuser/payer's mobile device or elsewhere, so as to enable payment in thismanner. Selection of the Pay button would then cause display of thescreen 2922, which indicates that the payment of $123.45 was made to thestored value card, using the pre-existing card number.

According to one exemplary aspect of the invention, in the event ofselection by the user of the New Card button, a display screen 2920 isprovided, indicating a location at which a new and “loaded” stored valuecard may be obtained. For example, the screen 2920 shows “Please pick upyour new stored value card at CVS store as 123 Main St.” plus atransaction ID. After this screen, the screen 2922, as in otherembodiments, is displayed and provides a confirmation screen thatadvises the payer that a payment in the indicated amount ($123.45 inthis example) is paid to the mobile number identified, to the indicatedstored value card account. In addition, preferably the account balanceof the utilized payment source is updated and displayed to reflect thereduction of the available funds.

FIG. 30 shows a sequence of mobile device screen views 3000 from apayee's perspective, via a payee's mobile device, for a “PayAnyone”option where a user selects/enters a mobile device phone number and usesa stored value card payment method according to an exemplary aspect ofthe invention. As in other embodiments and aspects, the informationshown may be presented to the payee either by a sequence of textmessages (SMS) or by displays generated by the Mobile Wallet applicationif loaded and activated on the payee's mobile device.

As shown in screen 3002, an SMS text message is received from the SMSgenerator 151, or similar information generated by the Mobile Walletapplication running on the payee's mobile device. In accordance withthis message, the payee is notified that someone with a phone number404-404-4040 has sent a payment in the amount of $123.45 for deliveryvia a stored value card. According to one exemplary aspect of theinvention, the message to the payee includes a default payment receiptmethod, for example, deposit to a predetermined stored value cardaccount. If generated by the Mobile Wallet application, the screen 3002preferably includes a “Confirm” control, a “Change Card” control, and a“Cancel” control. By activating the “Confirm” control thepayee/recipient can confirm that the displayed stored value card accountnumber stored in the MFTS database is correct for the payment. On theother hand, the payee has the ability to change to another stored valuecard account by entering a new account number after activating the“Change Card” control.

If the payee activates the “Change Card” control in screen view 3002, aseparate screen 3004 is shown that ask the user/payee if they want toreceive a new card. The available controls on this screen are “Yes”,“No” and “Done”

If the user selects “Yes”, they will be prompted on screen view 3006 toenter and Confirm the zip code for picking up the card. Availablecontrols on this screen view are “Confirm”, “Back” and “Done”.

Upon entering a valid zip code and selecting the “Confirm” control, theuser will be presented on screen view 3008 store locations for pickingup a new card. Available controls on this screen are “Confirm”, Back”,and “Cancel”.

In response to processing of the transaction by making the payment,according to one exemplary aspect of the invention the payee receives aconfirmation message or display 3010 indicating that the receivedpayment will be deposited into the newly issued stored value cardaccount upon retrieval by the user/payee. At this point, the payee mayactivate a “Done” control to finish receiving payment or a “Next”control process another transaction, if applicable.

FIG. 31 shows a sequence diagram for a “PayAnyone” payment method 3100involving use of a stored value card according to an exemplary aspect ofthe invention. This sequence diagram shows the interactions among thefollowing parties: payee's mobile device 3102, the MFTS 18, a thirdparty Stored Value Card provider 3140, and a payee 3160. Generallyspeaking, in this example a user/payer selects a stored value paymentmethod as shown in step 3104 and communicates this decision to the MFTS18 through a MFTS PI 3106. The MFTS sends a request to the third partyStored Value Card provider to create a transaction and a transaction IDas shown in step 3108. The payment amount is drawn from the paymentsource of the user (the payer) and the third party Stored Value Cardprovider configures a stored value card account on behalf of the payeein step 3112 with a message 3110. The payee receives the transaction IDin an SMS message and is informed stored value card pick up locations asshown in step 3116. The payee can then acquire a stored value card froma retail location associated with the stored value card vendor and havethe card “loaded” as shown in step 3118. A message 3120 is sent to thirdparty stored value card provider to provide the transaction ID, cardnumber and phone number etc at step 3122.

Starting at step 3104, it is first assumed that the user/payer hasalready selected the stored value card payment method, in a manner asdescribed elsewhere, and have provided the MFTS 18 with a mobile paymentinstruction (MPI) indicating the payment amount and selected paymentmethod. The MFTS 18 receives this MPI and generates a corresponding MFTSpayment instruction (MFTSPI) message 3106 containing informationrequired by a third party pre-paid (stored value) card provider orvendor 3140, and if required, effects a funds transfer to the cardprovider by drawing on the selected payment source of the user/payer.The MFTSPI 3106 is communicated to the third party stored value cardprovider 3140, and received at step 3108. According to one exemplaryaspect of the invention, the MFTSPI will include a zip code provided bythe payee or payer, to facilitate location of one or more retaillocations at which the payee can obtain an unloaded SV card (or canreload an existing SV card). At step 3108, the third party stored valuecard provider 3140 generates a transaction identifier (ID) and conductsa zip code lookup to locate one or more nearby retail locations for thepayee to pick up and/or load a Stored Value Card. According to oneexemplary aspect of the invention, the transaction ID is maintained bythe card provider to be used for authentication purposes when the payeerequests that the card be loaded with the payment.

Further at step 3108, the third party card provider 3140 generates amessage 3110 back to the MFTS 18 to inform the system that the storedvalue card account is configured and ready for use. According to oneexemplary aspect of the invention, this message 3110 includesinformation that allows the payee to identify locations at which anunloaded stored value card may be obtained and then loaded, and thetransaction ID number. At step 3112, the MFTS 18 receives the message3110 and generates a message 3114 to the payee's mobile device 3102advising that a payment has been made, locations that a card may beobtained and/or loaded at certain retail locations associated with thecard vendor, and the transaction ID, which is required forauthentication of the card to the payee. Exemplary screens in thisregard as shown in FIG. 30.

At step 3116, the payee's mobile device 3102 receives the message 3114and displays (either via SMS text message or via the Mobile Walletapplication, if installed) information informing the payee that apayment is waiting by stored value card payment method, and informationas to potential pick up locations for obtaining and/or loading a storedvalue card. At step 3118, and according to one exemplary aspect of theinvention, the payee physically goes to a location identified in themessage and obtains a stored value card, typically not yet loaded.Further at step 3118, the payee with the stored value card presents thecard to a retail location or terminal associated with the third partycard provider 3140, so as to load the card for use.

At step 3122, the third party card provider 3140 is presented with astored value card by the payee, with a request to activate and/or loadthe card with the payment. The third party card provider typically atthis time requires authentication information to activate and/or loadthe stored value card. In this case the authentication informationcomprises one or more of the following items of information: thetransaction ID number, the card number, the mobile phone number, andoptionally other information such as name, address, etc.

After the payee presents the required information to the third partycard provider 3140, at step 3124 the card provider loads the card withthe funds provided earlier, obtained from the user/payer. At step 3128,the stored value card, now loaded with the payment, is returned to thepayee 3160 through transaction 3126, who can then use the card atlocations that accept the particular type of stored value card, as apayment form.

According to an exemplary aspect of the invention, if the payee alreadyhas a Stored Value Card, he/she can contact the third party Stored ValueCard provider 3140 to claim the payment with an existing Stored ValueCard, and follow the steps from 3122.

It will be appreciated that the foregoing payment method involving useof a stored value card payment method is useful for making payments tosubscribers/users of the MFTS 18, as well as non-subscribers, as thepayee need only be provided with the transaction ID number and type ofstored value card in order to receive a payment. According to anexemplary aspect of the invention, not described in detail, informationcorresponding to the stored value card can be displayed in the firstinstance to the payer, for provision (e.g. via a note or writing) to apayee that does not have a mobile device that can receive SMS messagesor run the Mobile Wallet application, or does not have a mobile deviceat all. Once the initial stored value card account is created on behalfof a particular payee, the user/payer can load additional funds into astored value card account associated with the payee, as the name of thepayee will be stored in the MFTS 18 as described above, and cantherefore be quickly and readily reused to provide additional funds tothe selected payee.

Balance Transfer

FIG. 32 shows a sequence 3200 of mobile device screen displayscorresponding to a “Balance Transfer” financial transaction optionaccording to an exemplary aspect of the invention. A balance transfer isa financial transaction involving the transfer of funds betweendifferent accounts of the same user. A balance transfer allows a user ofthe MFTS to use his or her mobile device to obtain and monitorinformation relating the user's financial accounts, and move funds fromone account to another.

As in previously described embodiments and aspects, the user firstselects the Mobile Wallet application in screen 3202, providesauthentication information (e.g. a login) via screen 3204, and isauthenticated by the MFTS before being presented with options for makinga payment (or balance transfer) at screen 3206. Assume that in screen3206 the user selects the “Balance Transfer” option. In response to thisselection the user is provided with a Balance Transfer screen 3208 thatallows selection of a funds transfer from one of a plurality ofselectable accounts. As shown in screen 3208 as examples, the user canselect to transfer funds from a MasterCard™ account, a VISA™ account, aDiscover™ account, a GaSL account, or a Bank of USA account as paymentsources usable for a balance transfer. Corresponding balances associatedwith such accounts are also preferably displayed in accordance with thisaspect of the invention. The screen 3208 further preferably includes a“Select,” “Back,” and “Next” controls for navigation and selection,similar to that in other functions. The screen 3208 shows the Bank ofUSA account highlighted and therefore selected.

In response to user activation of the “Select” control in screen 3208with a selection in the list of available accounts, an exemplary screenfor the selected account, e.g. Bank of USA, is displayed as screen 3210.Screen 3210 displays several different accounts associated with theparticular payment source, Bank of USA, namely, a savings balance, achecking balance, and other (e.g. a money market account). The screen3210 further preferably includes a “Select,” “Back,” and “Next” controlsfor navigation and selection, similar to that in other functions. Thescreen 3210 shows the checking balance highlighted and thereforeselected.

In response to activation of the “Select” control in screen 3210 with aselection in the list of available accounts (i.e. the checking balancein the example shown), screen 3212 is displayed. Screen 3212 presentsthe list of available account/payment sources similar to that of screen3208, except indicated for a transfer to as opposed to a transfer from.The screen 3212 further preferably includes a “Select,” “Back,” and“Next” controls for navigation and selection, similar to that in otherfunctions. The screen 3212 shows the GaSL account highlighted andtherefore selected.

In response to user activation of the “Select” control in screen 3212with a selection in the list of available accounts, an exemplary screenfor the selected account, e.g. GaSL, is displayed as screen 3214. Screen3214 displays several different accounts associated with the particularaccount a balance transfer destination, GaSL, namely, a savings balance,a checking balance, and other (e.g. a money market account). The screen3214 further preferably includes a “Select,” “Back,” and “Next” controlsfor navigation and selection, similar to that in other functions. Thescreen 3214 shows the checking balance highlighted and thereforeselected.

In response to user activation of the “Select” control in screen 3214with a selection in the list of available accounts, e.g. the checkingaccount at GaSL, a balance transfer confirmation screen 3216 isdisplayed. According to one exemplary aspect of the invention, thebalance transfer confirmation screen 3216 provides a data entry regionfor user entry of an amount of funds transfer, e.g. $2000 is shown. Thescreen 3216 further preferably includes a “Transfer,” “Back,” and “Next”controls for navigation and selection, similar to that in otherfunctions. In response to user activation of the Transfer control, abalance transfer confirmation screen 3218 is displayed, containinginformation indicating that the balance transfer has been effected. Inthe example shown, the balance transfer of $2000 is transferred from aBank of USA checking account to a GaSL checking account. Preferably,also, screen 3218 includes a display of the current balances of each ofthe accounts involved in the balance transfer, updated to reflect thebalance transfer.

FIG. 33 is a sequence diagram of a balance transfer payment method orprocess 3300 according to an exemplary aspect of the invention, showingthe interactions among a payer/user's mobile device 15, the MFTS 18, afirst financial institution 30A associated with the user, and a secondfinancial institution 30B associated with the user. The balance transferis effected between these two financial institutions 30A and 30B.

As in previous methods described elsewhere, initial steps 3302, 3304,3307, and 3309 in the balance transfer method involve receivingauthentication message 3306 from the user/payee, authentication by theMFTS 18, and sending an authentication confirmation message 3308 to theuser's mobile device 15. In response to authentication, the user opensthe Mobile Wallet application at step 3302 and enters the password orPIN in 3304, the MFTS authenticates the login and sends activates theuser's Mobile Wallet of his/her mobile device in step 3307. This actionallows the user to proceed with use of the Mobile Wallet application atstep 3309. The user then selects Balance Transfer option in step 3310.At step 3312 the mobile device formulates a mobile payment instruction(MPI) message 3314 and transmits this message to the MFTS 18. Accordingto one exemplary aspect of the invention, the MPI message 3320 includesinformation identifying a payment source account, a destination account,and a balance transfer amount, so that the MFTS can constructappropriate MFTS payment instructions to the selected and identifiedfinancial institutions.

At step 3316, the MFTS 18 receives the MPI message 3314 and constructsan appropriate MFTS payment instruction (MFTSPI) message 3318 forcommunication to the first or payment source financial institution 30A.At step 3320, the first or payment source financial institution 30Areceives the MFTSPI message 3318 and debits the selected account for theindicated amount of funds. The first or payment source financialinstitution 30A then takes action in accordance with its own proceduresto transfer these funds to the selected second financial institution 30Bthrough a message 3322, as indicated at step 3320. At step 3324, thesecond or destination financial institution 30B updates its records toindicate receipt of funds. According to one exemplary aspect of theinvention, the first and second financial institution 30A, and 30Bprovide balance transfer confirmation messages, indicated by messages3330A, 3330B, back to the MFTS 18, so that the MFTS 18 can update itslocal record of the funds available at each of the accounts at each ofthe financial institutions.

At step 3328, the MFTS 18 receives the balance transfer confirmationmessages 3330A, 3330B and updates the records of the user to reflect thebalance transfer. Further at step 3328, the MFTS 18 communicates abalance transfer confirmation message 3332 to the mobile device 15. Atstep 3334, the mobile device 15 receives the balance transferconfirmation message 3332 and updates its local storage of the balancesassociated with the user's accounts and financial institutions, toreflect the completion of the balance transfer.

Receiving Payment at Payee Mobile Device by Mobile Wallet Installation

The reader may have noticed from the discussion above that aspects ofthe present invention involve a payee either (1) receiving and sending aseries of SMS messages (text messages) in order to interact with theMFTS to select a payment receipt method, or (2) installing and utilizingthe Mobile Wallet application on the payee's mobile device in order tointeract with the MFTS to select a payment receipt method and/or beenabled to conduct transactions (make payments) as an MFTS user. A payeethus need not have the Mobile Wallet application installed on his or hermobile device in order to realize the benefits of certain aspects of theinvention. However, a payee with most currently available types ofmobile device is presented with an opportunity to download, install, anduse the Mobile Wallet, in accordance with certain features and aspectsof the invention. Thus, and according to an exemplary aspect of theinvention, persons to whom a user wishes to make a payment can beprovided with an opportunity to download the Mobile Wallet applicationand receive the benefits of both receiving payments and selectingpayment receipt options in accordance with described aspects of theinvention, as well as utilizing the mobile payment services provided byan operator of the MFTS 18.

In order to “spread” the benefits of the Mobile Wallet to payees (whoare prospective users of the MFTS, upon installation and activation ofthe Mobile Wallet application), the present invention includes aspectsfor informing a payee of the opportunity to download and utilize theMobile Wallet application and register as a user of the MFTS, providethe code for the Mobile Wallet via a wireless download, activate thepayee to become a user of the MFTS services and utilize the MobileWallet application as a user.

Turn in this regard to FIG. 34 for a discussion of a method for a payeeto receive a payment from a user of the MFTS 18 and also download andinstall the Mobile Wallet application. FIG. 34 shows a sequence ofmobile device screen views 3400 from a payee's perspective, via apayee's mobile device, for a payment receipt method that includes stepsfor providing a payee with an opportunity to download and install theMobile Wallet application, register for service with the MFTS, andthereby becoming users themselves of the MFTS services. Advantageously,the method allows the so-called “viral spreading” of the benefits of theMobile Wallet application and use of the MFTS, by providing payees whoreceive payments from users who are already participants in the MFTSsystem with the ability to download and use the Mobile Walletapplication quickly and easily, thereby becoming new MFTS users, and inturn spread the benefits in turn to payees of the new MFTS user. Suchnew user's payees in turn are likewise afforded the opportunity to joinand participate.

As in other embodiments and aspects, for a payee that does not have theMobile Wallet application installed on their mobile device, theinformation shown will be presented to the payee by a sequence of textmessages (SMS).

As shown at screen or message 3402, a payee typically receives a text(SMS) message that indicates that a user has sent the payee a payment,and advising the payee as to how to receive the payment. For example,the screen or message 3402 states that “404-404-4040 has sent you apayment of $123.45.” Further in accordance with this exemplary aspect ofthe invention, the screen or message 3402 includes the text, “Yourmobile device does not have the necessary application to receive thepayment, do you want to download the application?” A “Yes” control and a“Cancel” control are also preferably provided so that the user can electto receive the application download or to receive the payment withoutinstalling the mobile device application. If the user decides not toinstall the mobile device application or the mobile device is notcapable of installation of the mobile device application, the user isgiven other options to receive the payment. A screen is displayed if theuser selects the “Cancel” button as shown in screen view 3402. Thescreen view (not shown in FIG. 34) provides the user other options suchas receiving the payment with paper check, by way of ACH transaction, ora stored value card. The user may respond the payment with a text (SMS)message back to the payer and inform the payer how he/she would like toreceive the payment without installation of the mobile deviceapplication. The responses the user send to the payer may include themethod of the reception of the payment, as well as the user's addressinformation, or account information and any other related information.

In the event that the payee selects the “Yes” control, a message bearingthe maker name, model number of the mobile device is sent back to theMFTS through the MCSP. The MFTS identifies the type of mobile devicepossessed by the payee and an appropriate Mobile Wallet applicationcode, that is executable on the payee's mobile device, is sent to themobile device, and a self installation process starts on the mobiledevice after the Mobile Wallet application code is downloaded to themobile device. A text message indicating that a installation operationhas begun may be displayed, as illustrated at screen view 3404. Aconventional progress bar may be displayed as part of the installationprocess, as shown in screen or message 3404 to advise the payee of theinstallation progress. A “Cancel” control is optionally provided so thatthe payee may terminate the installation operation if desired.

Upon completion of the Mobile Wallet application download, a completionscreen or message 3406 is displayed, according to one embodiment of theinvention. This completion screen view 3406 preferably indicates thatthe installation of the Mobile Wallet application is completed.According to one exemplary aspect of the invention, the Mobile Walletapplication then executes and displays screens (or messages) that itgenerates. At this stage, preferably, the Mobile Wallet application mayoptionally prompt the payee to enter a PIN for use of the applicationand/or an account of the payee maintained by the MFTS operator.Preferably, “Next,” “Back,” and “Cancel” controls are also provided fortheir indicated functions. In response to the payee's selection of theNext control in screen or message 3406, a PIN confirmation screen 3408is preferably next displayed to prompt the payee to re-enter the PIN forconfirmation. Similarly, “Next” and “Cancel” controls are preferablyprovided.

In response to the payee's selection of the Next control, a PaymentReceived screen 3410 is displayed. This screen preferably repeats thetext that “404-404-4040 has sent you a payment of $123.45,” and furtherincludes text prompting the payee to select one of a plurality ofpossible payment reception methods. In the exemplary screen 3410, thepayee is presented with the options of receiving payment by ACH, papercheck, or stored value (SV) card. Methods, screen displays, andoperations for such payment methods have been described elsewhere inthis document and need not be repeated here. By way of example and notlimitation, the paper check payment method is shown highlighted inscreen 3410 and therefore selected. The MFTS is able to obtain the mailaddress of the user based on the phone number through a third partyaddress provider. If the user decides to receive the paper check with adifferent address, the user selects the “Change Address” button on ascreen view 3412. A plurality of screen views may follow to allow theuser to change, edit and confirm a new mailing address. These screenviews will be understood by those skilled in the art and not describedhere in detail.

The screen 3412 requesting confirmation of the mailing address, etc. ispreferably displayed, as described elsewhere in greater detail. Apayment confirmation screen 3414 confirming the mailing address of thepayment (or other selected payment method, if selected) is preferablydisplayed next, as described elsewhere in greater detail.

At this point, the payee has now downloaded and installed the MobileWallet application and is enabled for further use, upon provision offurther registration information such as provision of accountinformation to set up payment sources that can be used for the payee(now a user) to make payments to billing entities and other persons inaccordance with previously described aspects of the invention. Althoughthe user's mobile device is currently enrolled, and enabled in the MFTS,the user still needs to visit the MFTS user web site to add, enterinformation relating to payment source, billing entities etc. Thisinformation entry will be discussed later in this document.

FIG. 35 is a sequence diagram of a Mobile Wallet installation by payeemethod or process 3500 according to an exemplary aspect of theinvention, showing the interactions among a mobile device 3501 of apayee/prospective user, the MFTS 18, and a third party payment provider30P, so as to enable a payee to receive a payment, download and installthe Mobile Wallet application to the payee's mobile device 3501 andthereby be enabled as a user of the MFTS. It will be understood that thesteps of the method 3500 are typically carried out after a user hasinstructed the MFTS 18 to make a payment to a particular payee by mobiletelephone number or name, and the MFTS contacts the payee by one or moremessages to advise the payee that a payment is pending. The steps inmethod 3500 therefore typically occur at the point of determining apayment delivery method to the payee.

Starting at step 3502, the first step taken is the receipt by a payee, anon-subscriber to the services of the MFTS 18 operator, of a message3503 indicating that a user has made a payment to the payee. Accordingto one exemplary aspect of the invention, this message is text message(SMS) delivered to the mobile number of the payee. At step 3502, thenon-subscriber/payee sees the message as shown in screen view 3402 ofFIG. 34 and determines whether he/she wants to download and install theMobile Wallet application for his or her mobile device, e.g. byselecting the “Yes” control in screen 3402 in FIG. 34. A message 3506 isreturned to the MFTS 18, with the confirmation of the downloading andinstallation of the mobile wallet application, as well as the make andmodel number, or serial number of the mobile device. At step 3508, theMFTS downloads an appropriate Mobile Wallet application to thedesignated mobile device and installs the downloaded Mobile Walletapplication as indicated by message 3510. At step 3512, the user isnotified that the download and installation operations are complete, andthe payee/prospective user is prompted to create a login (or PIN, orpassword, as appropriated) and become a user of the MFTS. After thelogin/password/PIN authentication process (see FIG. 34), at step 3516the payee/user is provided with a Payment Received screen includingdetails of the payment and requesting selection of a payment method. Atstep 3518, the user selects a desired payment method (e.g. ACH, papercheck, or stored value card), and at step 3520 provides applicableaccount details needed for the payee/user to receive payment. Thisaccount setup information is communicated to the MFTS 18 via one or moreelectronic messages 3520.

At step 3522, the MFTS 18 receives the account setup information andstores the account information in association with identificationinformation corresponding to the payee/user, in the user database of theMFTS. Also at step 3522, the MFTS 18 communicates an MFTS paymentinstruction (MFTSPI) message 3523 to a selected third party paymentprovider 30P or financial institution 30 (e.g. an ACH payment generator,or a paper check issuer, or a stored value card vendor) to cause theissue of the selected form of payment to the payee as shown in step3524. After providing this MFTSPI to the selected payment provider, alsoat step 3522 the MFTS 18 provides a payment confirmation message 3526 tothe payee/user through his/her mobile device 3501. At step 3528 thepayee/user receives the payment confirmation information that thepayment has been sent for processing.

Subsequent to the foregoing steps, and as indicated at step 3530, thepayee (now a registered user of the MFTS services) is empowered andenabled not only to receive further payments via the installed MobileWallet application, but also to register billing entities to whompayments should be made, as well as the payee/user's payment sources.The payee/now user can also facilitate the spread of the Mobile Walletapplication and convenient use of the MFTS and associated services bymaking payments to others that may not have the Mobile Wallet, andthereby facilitate the spread of use of the systems and methods of thepresent invention. According to an exemplary aspect of the invention,the new user is preferably provided with information identifying theMFTS website and prompting the new user to access the web application(FIGS. 37-42) to enter and provide detailed information relating tobilling entities, persons to pay, payment sources, accounts, viewing oftransaction details, default payment and receipt methods, etc.

Referring now to FIG. 36, a serial screen view 3600 are shown for aregistered user to change the login PIN when such an action is needed,according one embodiment of the present invention. The screen views 3602and 3604 were explained elsewhere in this document and are not describedhere. In screen view 3606, the user highlights and selects the “ChangePIN” option from a menu provided on the screen view. For securitypurposes, this action requires the user to enter the current PIN numberfor verification in screen view 3608. The user is requested to enter anew PIN in screen view 3610 and to re-enter the PIN again forverification purpose in screen view 3612. According to one embodiment ofthe present invention, the PIN comprises six numerical digits for easyremembrance and can be extended to any reasonable length. In anotherembodiment, the PIN comprises alpha-numerical digits, if the mobiledevice has a full keyboard. In one embodiment, the PIN comprisescase-sensitive alpha-numerical digits. In another embodiment, the PINcomprises not case-sensitive alpha-numerical digits. In one embodiment,the PIN is fixed length. In another embodiment, the PIN is variablelength with pre-determined minimum length and maximum length.

A message is sent to the MFTS to notify the MFTS to change the PIN andstore the changed PIN in the user database of the MFTS. The MFTS sends aconfirmation message back to the user's mobile device to inform the userthat the PIN is successfully changed, and this message is displayed onthe screen view 3614. Here an option button “Main Menu” brings the userto the main menu screen view 3616 of the mobile wallet application.

Turning next to FIG. 37, consisting of FIGS. 37A-37D, for a discussionof a user interface comprising screen displays of a web applicationinput/output interface illustrating aspects of user enrollment for useof a mobile financial transaction system (MFTS), through a webapplication user site, according to an aspect of the present invention.FIG. 37 is an illustrative screen display of the web application 154, inparticular, the user site web application 153 (FIG. 2). In particular,FIG. 37A illustrates aspects of enrollment of a user for use of theservices provided by the MFTS 18. FIGS. 37B, 37C, & 37D illustrateaspects of adding or editing mobile devices, and editing aspects of amobile device.

In accordance with an aspect of the present invention, the webapplication provides a User Site screen display 3701 which includes afirst region 3705 including a plurality of selectable links or buttonsfor pre-determine functions, a second region 3710 for data entry, and aplurality of user control 3715 to provide specific functionality. In thefirst region 3705, selectable links labeled “Mobile Devices”,“Accounts”, “Payees”, and “Logout” are provided. A user's selection ofthe Mobile Devices link presents the display as shown in 3701, whichenables a user manage Mobile Devices for use in connection with the MFTSaccording to an aspect of the invention. A user's activation of Accountslinks provides a display as will be discussed in connection with FIG.38. A user's activation of the Payee's link provides a user's display asshown in FIG. 39 as will be discussed below.

The data entry second region 3710 displays the mobile numbers of anyMobile Devices that have previously been enrolled by the current userfor use with the MFTS 18. The second region 3710 shows a single MobileDevice number (404) 505-6060, which is an exemplary mobile telephonenumber.

The selectable user control 3715 provides commands to implementfunctions in conjunction with enrolled mobile number(s). According to anaspect of the invention, presently considered a preferred embodiment,the user control 3715 comprises an “Add Device” button 3717, an“Initialize Device” button 3720, an “Edit Device” button 3725, a “LostDevice” button 3730, an “Unlock Device” button 3735, and a “DeleteDevice” button 3740.

These functions are self-explanatory, and will be understood by thoseskilled in the art. In one embodiment, the “Lost Device” function is todisable a reported lost mobile device for user's protection. The “UnlockDevice” function is to re-enable a disabled mobile device or re-activatea mobile device after several consecutive failed logins. The “DeleteDevice” function is to remove an enrolled mobile device from mobilefinancial transaction system service.

User activation of either the “Add Device” button 3717 or the “EditDevice” button 3725 causes the MFTS web application to provide a screendisplay 3701B, as shown in FIG. 37B. The display screen 3701B includes adata entry region 3745 for entry of a mobile device phone number, intowhich a user can enter a number. A “Submit Query” button 3750 isprovided to cause the web application to utilize the number entered intothe data entry region 3745 and enter/retrieve user informationcorresponding to the mobile device number such that information may beentered for use in connection with the MFTS 18, or that properties orinformation relating to a pre-entered number may be edited. The “AddDevice” button 3717 and the “Edit Device” button 3725 allow the user toenter detailed account information related to the mobile device. Theinformation related to the mobile device comprises: user name, mailingaddress, billing address, web access username and password.

FIG. 37C illustrates a User Site display screen 3701C which is displayedto a user upon entry of a new mobile device number, in order toconfigure the Mobile Device for use with the MFTS 18 in accordance withaspects of the invention. According to one embodiment of the presentinvention, upon receipt of a newly-entered mobile device number for usein the system, a text (SMS) message is transmitted to the mobile devicewith the mobile device number entered. This SMS message, in accordancewith an aspect of the invention, provides information to the user at themobile device for downloading and installation of a mobile deviceapplication so as to configure the mobile device for use in connectionwith the system. Instructional information such as shown at 3760 ispreferably displayed to the user, informing the transmission of the textmessage and the instruction. Additionally, and in accordance with anaspect of the invention, an initialization code is provide for themobile device for security purposes, with a prompt to the user to enterthe initialization on code upon running of the mobile device applicationon the mobile device.

FIG. 37D provides a display screen 3701D comprising a message 3765displayed in response to user activation of the “Delete Device” button3740 in FIG. 37A.

FIG. 38 illustrates various exemplary User Site display screens 3801that are displayed by the web application 154 in response to useractivation of the Accounts link or button in the controller region 3705.In FIG. 38A, a display screen of 3801A is initially provided in responseto activation of the “Accounts” button. The display screen 3801Aincludes an information display region 3805 comprising a listing of oneor more accounts associated with the user presently interacting with theMFTS 18, an informational display region 3810 displaying specific anddetailed information regarding a selected account, shown highlighted inregion 3805, and a plurality of control buttons 3815 to implementfunctions with respect to a selected account. For example, the account“Kyle's Checking” is shown highlighted in region 3805, and specificinformation regarding the selected account such as routing number,account number, account nickname, etc., is shown in informationaldisplay region 3810.

In accordance with an aspect of the invention, the user controls 3815include an “Add Account” dropdown menu 3817, an “Edit Selected” button3820, and a “Delete Selected” button 3825. User selection of the “AddAccount” menu 3817 or activation of the “Edit Selected” button 3820leads to a display screen such as shown in FIG. 38B as screen 3801B.

FIG. 38B illustrates aspects of the web application for editinginformation relating to a selected account. The display screen 3801Aincludes exemplary data entry regions 3830 for displaying and editingspecific information relating to a selected account. For example, inaccordance with an aspect of the invention, there is provided a regionfor entry and editing of routing and transit number 3832, entry andediting of an account number 3835, entry and edit of account type 3840,and entry and editing of a nickname for an account 3845. A “Submit”button 3850 is provided to update and save the information, and a“Cancel” button 3855 is provided as operative in a manner known to thoseskilled in the art.

FIG. 38C is an exemplary User Site display screen 3801C that isdisplayed by the web application 154 in response to user selection of anaccount in region 3805 (FIG. 38A) that is a card type account, forexample, a credit card or a stored value card, as opposed to a bankaccount, such as shown in FIG. 38B. The display 3801C includes aninformation display region 3860 for information relating to a card typeaccount. As shown in FIG. 38C, the display areas include a card numberdisplay region 3862 and a nickname region 3865, for entry of a shortname for the account to promote remembrance. A “Next” button 3870 movesto another account of a plurality of accounts stored and maintained bythe MFTS 18, and the “Cancel” button 3875 operates in a known manner.

FIG. 38D illustrates an exemplary display screen 3801D, that isdisplayed in response to a user change of information relating to a cardaccount, e.g. if a user changes any information relating to a cardaccount such as in FIG. 38C. The display screen 3801D includes aninformational display region 3880 for displaying a card number of anaccount that has been selected for entry or editing, and a personalidentification number (PIN) data entry region 3885 for entry of a PINassociated with a card account for security purposes. A “Submit” button3890 and a “Cancel” button 3895 are provided and are operative in theknown manner.

Identifying Information

FIG. 39 illustrates User Site display screen 3901 that is displayed inresponse to user activation of the “Payees” link or button in region3705, for managing payees for receiving payments in accordance with anaspect of the invention. In FIG. 39A, the “Manage Payee” display screen3901A includes a region 3905 for displaying information relating topayees that have been previously input by a user into the MFTS 18,either by the web application 154 or, as appropriate, via mobile deviceapplication entry. As shown in FIG. 3901A, at least information relatingto a name of a payee and a mobile device number of the payee isdisplayed. In accordance with another aspect of the invention, a payeein the system has other information stored in association therewith,including an address of the payee (if available), a default paymentmethod, a preferred account number for one or more payment methodsavailable to the particular payee, and other identifying information. Asshown in FIG. 39A, a particular payee may be highlighted or displayedspecific information and for operations such as editing or deletion.Also shown in FIG. 39A, are control buttons for an “Add Payee” button3910, an “Edit Selected” button 3915, and a “Delete Selected” button3920. User selected of the “Add Payee” button 3910 or the “EditSelected” button 3915 produces a display such as is shown in FIG. 39B.

FIG. 39B is an exemplary User Site display screen 3901B that isdisplayed in response to a user of the web application electing to add apayee or edit a selected payee. The exemplary display screen 3901 bincludes a data entry and display region 3925, which displaysinformation relating to a particular payee that was selected in FIG.39A, and allows entry or updating of the information. In this embodimentof the invention, there is provided a “First Name” field 3927, and a“Last Name” field 3930, and a “Phone Number” field 3935. In accordancewith another aspect of the invention, address information, accountnumber information, a default selection for payment method field, andother information is also provided. A “Submit” button 3940 and a“Cancel” button 3945 are provided and are operative in the known manner.

Those skilled in the art will understand and appreciate from a review ofFIGS. 37-39 that there is provided an internet-accessible webapplication input/output interface 154 that allows users to input andedit information relating to “Mobile Devices”, “Accounts”, and “Payees”so as to provide functionality as described elsewhere in this document.

FIG. 40 is an alternative embodiment of user display screens generatedby a web application input/output interface 154, construction inaccordance with an alterative aspect of the invention. FIGS. 40-42provide an alternative method for user interaction with the webapplication, with a somewhat different manner of displaying informationand receiving user interaction with respect to selected accounts, mobiledevices, billing entities, and payment sources.

FIG. 40 illustrates an exemplary display screen 4001 provided by the webapplication for managing accounts. The display screen 4001 is providedby the web application for managing accounts. The display screen 4001includes three selectable tabs, an “Account Summary” tab 4005, a“Billing Entities” tab 4010, and a “Payment Sources” tab 4015. Shownselected in FIG. 40 is the “Account Summary” tab 4005. The informationassociated with the “Account Summary” tab 4005 includes informationrelating to the particular user including an account number, mobilenumber associated with the user's mobile device, and other identifyinginformation as is shown. Other relevant information relating to the usersuch as address information, registration date information and otherinformation relating to billing entities and payment sources ispreferably provided in a display area 4035. An “Edit” button 4020 isprovided for editing the information displayed, while a “New” button4025 is provided for generating a data entry display screen that wouldallow entry of the information as is shown in FIG. 40.

FIG. 41 is an exemplary alternative display screen 4101 is displayed inresponse to user activation of the “Billing Entities” tab 4010. Theinformation displayed in the display screen 4101 includes informationidentifying the specific account or mobile device number for the currentuser, as well as a display region 4120 that displays informationregarding a plurality for “billers” or billing entities, or people towhom a payment can be made, e.g., a payee and “pay anyone” paymentscenarios as described elsewhere in this document. An “Edit” button 4020and a “New” button 4025 are provided and are operative in a mannerdescribed above and will be known to those skilled in the art.

The billers data region 4120 as shown in FIG. 41 includes selectabletabs for a plurality of billers, 4105, 4110, and 4115. The activation ofthe “New” button 4025 adds a new tab and a new page for a new “biller”.The exemplary tab 4110 is shown as selected, and displays informationrelating to a particular biller for which information has beenpreviously entered. In the example shown in FIG. 41, an exemplarybilling entity George Electricity Company is shown together with arelevant account number, address, and other identifying informationrequired so as to enable the MFTS 18 to receive a bill from the billingentity and generate a payment to this billing entity in accordance tothe aspects of the invention.

Also, provided in the screen 4101 is a current balanced data displayregion 4125, which displays information relating to a current accountbalance with respect to the identified and selected biller, e.g.,“Biller 2” shown in tab 4110.

FIG. 42 is an exemplary alternative web application display in the formof a display screen 4201 displayed in response to selection of thepayment sources tab 4015. The exemplary display screen 4201 includes theinformation identifying the account being viewed such as account number,mobile number, etc., as in the previous screen, and also provides an“Edit” button 4020 and a “New” button 4025 operative as describedelsewhere and in the known manner.

The “Payment Sources” tab 4015 also includes an information displayregion 4220 for displaying information relating to a selected account. Aplurality of selectable tabs with respect to specific accounts availableto the user are provided in exemplary selectable tabs 4205, 4210, 4215,which are identified as “Bank 1”, “Bank 2”, and “Bank 3”. Shown selectedin FIG. 42 is “Bank 2” 4210. The display region 4220 thus displayinformation associated with the selected payment source, which in thiscase identifies a specific financial institution and a specific accountassociated with the selected financial institution. For example, theinformation preferably include the name of the payment source, e.g.,“Georgia Best Bank”, and the corresponding account number, account type,address, and other identifying information. Also, preferably provided isinformation display region 4225 for displaying a current balanceassociated with the selected account.

From the foregoing, those skilled in the art will understand andappreciate that the web application input/output interface 154 canalternatively provide display screens and controls such as shown inFIGS. 40-42, to allow user data entry and editing payment sources,billing entities or other payees, in accordance with aspects of theinvention.

The foregoing description of the exemplary embodiments of the inventionshas been presented only for the purposes of illustration and descriptionand is not intended to be exhaustive or to limit the invention to theprecise forms disclosed. Many modifications and variations are possiblein light of the above teachings.

The embodiments were chosen and described in order to explain theprinciples of the invention and their practical application so as toenable others skilled in the art to utilize the invention and variousembodiments and with various modifications as are suited to theparticular use contemplated. Alternative embodiments will becomeapparent to those skilled in the art to which the present inventionpertains without departing in spirit and scope. Accordingly, the scopeof the present invention is defined by the appended claims rather thanthe foregoing description and the exemplary embodiments describedtherein.

1. A mobile phone comprising: a display for presenting informationrelating to a plurality of selectable payment sources, each paymentsource comprising a financial service provider at which one or moreaccounts are maintained, a plurality of selectable payment methods, anda plurality of selectable payments to make, the plurality of selectablepayments to make comprises unpaid payment obligations of a mobile phoneuser; a user input for receiving user selection of a payment source fromthe plurality of selectable payment sources, user selection of a paymentmethod from the plurality of selectable payment methods, and userselection of a payment to make from the plurality of selectable paymentsto make, the plurality of selectable payment methods includes arecipient-defined method; a wireless communications component forcommunicating with a mobile financial transaction system (MFTS) via awireless network; and a mobile phone processor operative to: receivesummarized payment to make information from the MFTS transmittedwirelessly to the mobile phone via the wireless communicationscomponent, the summarized payment to make information comprising apredetermined selected subset of the payment to make information storedat the MFTS; present information on the mobile phone displaycorresponding to the plurality of selectable payments to make, theplurality of selectable payments to make including the summarizedpayment to make information received from the MFTS; present informationon the mobile phone display corresponding to the plurality of selectablepayment sources for making a payment; present information on the mobilephone display corresponding to the plurality of selectable paymentmethods for making the payment, the plurality of selectable paymentmethods comprises a plurality of financial instruments for effecting thepayment to a payee; receive via the user, input corresponding toselection of a payment to make from the plurality of selectable paymentsto make, selection of a payment source from the plurality of selectablepayment sources, and selection of a payment method from the plurality ofselectable payment methods for making the payment, the plurality ofselectable payment methods includes a recipient-defined method; generatea mobile payment instruction comprising information corresponding to theselected payment to make, the selected payment source, and the selectedpayment method for making the payment; and wirelessly communicate themobile payment instruction via the wireless communications component tothe MFTS for effecting the payment to an identified payee associatedwith the selected payment to make via the selected payment method. 2.The phone of claim 1, wherein the information corresponding to theplurality of selectable payment sources displayed at the mobile phonecomprises summarized payment source information.
 3. The phone of claim1, wherein the payment to make information is provided to the MFTS by anexternal source, is input via an Internet-accessible web site accessiblefor input of payment to make information and payee information, or isinput at the mobile phone.
 4. The phone of claim 3, wherein the externalsource for the payment to make information is selected from the groupcomprising: a bill presentment system that provides bill informationfrom a plurality of billing entities or an individual billing entity. 5.The phone of claim 1, wherein the payment to make information comprisesinformation corresponding to one or more of the following: a recurringbill, a bill from a billing aggregator, a bill from an individualbilling company, a “pay anyone” payment.
 6. The phone of claim 1,wherein the step of displaying information corresponding to one or morepayments to make is provided in response to user activation of a “ViewBills” function.
 7. The phone of claim 1, wherein the display ofinformation corresponding to the plurality of selectable payments tomake is provided in response to receipt at the mobile phone of a textmessage from the MFTS.
 8. The phone of claim 1, wherein the mobile phonefurther comprises mobile phone software comprising a Mobile Walletapplication operative on the mobile phone processor.
 9. The phone ofclaim 8, wherein the Mobile Wallet application provides a display on themobile phone of selectable commands including one or more of a ViewBills command, a View Payment Sources command, and a Pay Bill(s)command.
 10. The phone of claim 9, wherein the user input correspondingto selection of a payment to make is provided in response to display ofa View Bills command.
 11. The phone of claim 9, wherein user activationof the View Bills selectable command causes the MFTS to retrieve paymentto make information from a bill presentment system and communicate thesummarized payment to make information to the mobile phone upon receiptof the payment to make information from the bill presentment system. 12.The phone of claim 9, wherein the user input corresponding to selectionof a payment source for making a payment is provided in response todisplay of a View Payment Sources command.
 13. The phone of claim 12,wherein the selection of a payment source for making a payment includesselection of a financial service provider and selection of a particularaccount associated with the selected financial service provider formaking the payment.
 14. The phone of claim 9, wherein user activation ofthe View Payment Sources command causes the MFTS to retrieve currentaccount information from one or more financial service providers andcommunicate the current account information to the mobile phone uponreceipt of such information from the one or more financial serviceproviders.
 15. The phone of claim 1, wherein the identified payeecorresponds to a billing entity that communicated bill information tothe MFTS.
 16. The phone of claim 1, wherein the summarized payment tomake information communicated to the mobile phone from the MFTS islimited to a payee identifier, an amount, and a due date.
 17. The phoneof claim 16, wherein the mobile phone utilizes the payee identifier inthe summarized payment to make information and retrieves payee nameinformation from a mobile phone local memory corresponding to anidentified payee and displays the payee name information on the mobilephone display.
 18. The phone of claim 1, wherein the mobile phoneprocessor is further operative to receive a payment confirmation messageprovided by the MFTS in response to receipt of a payment confirmationmessage from a selected financial service provider at a predeterminedstage of completion of making the payment.
 19. The phone of claim 1,wherein the plurality of selectable payment methods includes: an ACHfunds transfer, a paper check, a credit to a financial account, a wiretransfer, a money order, a default method, and a stored value (SV) card.20. The phone of claim 1, wherein the mobile financial payment includesa balance transfer from one account to another account.
 21. The phone ofclaim 1, wherein the mobile phone stores a cached account balance in themobile phone representative of the balance in at least one account as ofa particular date; wherein the mobile phone receives updated accountbalance information for the account; and wherein in response to receiptof updated account balance information, the mobile phone displaysupdated account balance information corresponding to the account.
 22. Amethod for making a mobile financial payment via a mobile phone, themethod comprising the steps of: receiving summarized payment to makeinformation from a mobile financial transaction system (MFTS)transmitted wirelessly to the mobile phone, the summarized payment tomake information comprising a predetermined selected subset of thepayment to make information stored at the MFTS and corresponding to aplurality of payments to make to one or more payees; displayinginformation on the mobile phone corresponding to a plurality ofselectable payments to make, the plurality of selectable payments tomake including the summarized payment to make information received fromthe MFTS, the plurality of selectable payments to make comprises unpaidpayment obligations of a mobile phone user; displaying information onthe mobile phone corresponding to a plurality of selectable paymentsources for making a payment, each payment source comprising a financialservice provider at which one or more accounts are maintained;displaying information on the mobile phone corresponding to a pluralityof selectable payment methods for making the payment, the plurality ofselectable payment methods comprises a plurality of financialinstruments for effecting the payment to a payee; receiving user inputat the mobile phone corresponding to selection of a payment to make fromthe plurality of selectable payments to make, selection of a paymentsource from the plurality of selectable payment sources, and selectionof a payment method from the plurality of selectable payment methods formaking the payment, the plurality of selectable payment methods includesa recipient-defined method; generating a mobile payment instruction atthe mobile phone comprising information corresponding to the selectedpayment to make, the selected payment source, and the selected paymentmethod for making the payment; and wirelessly communicating the mobilepayment instruction to the MFTS for effecting the payment to anidentified payee associated with the selected payment to make via theselected payment method.
 23. A mobile phone system for making a mobilefinancial payment via a wireless network, the system comprising: meansfor receiving summarized payment to make information from a mobilefinancial transaction system (MFTS) transmitted wirelessly to the mobilephone, the summarized payment to make information comprising apredetermined selected subset of the payment to make information storedat the MFTS and corresponding to a plurality of payments to make to oneor more payees; a mobile phone display for presenting informationcorresponding to a plurality of selectable payments to make, theplurality of selectable payments to make including the summarizedpayment to make information received from the MFTS, the plurality ofselectable payments to make comprises unpaid payment obligations of amobile phone user; the mobile phone display for presenting informationcorresponding to a plurality of selectable payment sources for making apayment; the mobile phone display for presenting informationcorresponding to a plurality of selectable payment methods for makingthe payment, the plurality of selectable payment methods comprises aplurality of financial instruments for effecting the payment to a payee;means for receiving user input at the mobile phone corresponding toselection of a payment to make from the plurality of selectable paymentsto make, selection of a payment source from the plurality of selectablepayment sources, and selection of a payment method from the plurality ofselectable payment methods for making the payment, the plurality ofselectable payment methods includes a recipient-defined method; meansfor generating a mobile payment instruction at the mobile phonecomprising information corresponding to the selected payment to make,the selected payment source, and the selected payment method for makingthe payment; and means for wirelessly communicating the mobile paymentinstruction to the MFTS for effecting the payment to an identified payeeassociated with the selected payment to make via the selected paymentmethod.
 24. A non-transitory computer-readable medium that is usable bya mobile phone, the non-transitory computer-readable medium havingcomputer-executable instructions for performing steps comprising:receiving summarized payment to make information from a mobile financialtransaction system (MFTS) transmitted wirelessly to the mobile phone,the summarized payment to make information comprising a predeterminedselected subset of the payment to make information stored at the MFTSand corresponding to a plurality of payments to make to one or morepayees, the plurality of payments to make comprises unpaid paymentobligations of a mobile phone user; displaying information on the mobilephone corresponding to a plurality of selectable payments to make, theplurality of selectable payments to make including the summarizedpayment to make information received from the MFTS; displayinginformation on the mobile phone corresponding to a plurality ofselectable payment sources for making a payment, each payment sourcecomprising a financial service provider at which one or more accountsare maintained; displaying information on the mobile phone correspondingto a plurality of selectable payment methods for making the payment, theplurality of selectable payment methods comprises a plurality offinancial instruments for effecting the payment to a payee; receivinguser input at the mobile phone corresponding to selection of a paymentto make from the plurality of selectable payments to make, selection ofa payment source from the plurality of selectable payment sources, andselection of a payment method from the plurality of selectable paymentmethods for making the payment, the plurality of selectable paymentmethods includes a recipient-defined method; generating a mobile paymentinstruction at the mobile phone comprising information corresponding tothe selected payment to make, the selected payment source, and theselected payment method for making the payment; and wirelesslycommunicating the mobile payment instruction to the MFTS for effectingthe payment to an identified payee associated with the selected paymentto make via the selected payment method.